The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$27,378
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,229
−HK$866/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,865
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,458
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,274
−HK$829/mo
Today · 4.125%
HK$32,103
baseline
▲ 0.50% · 4.625%
HK$33,795
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,206/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,853
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,875
−HK$1,039/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$37,038
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,549
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,529
−HK$995/mo
Today · 4.125%
HK$38,524
baseline
▲ 0.50% · 4.625%
HK$40,554
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,048/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,329
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,521
−HK$1,212/mo
Today · 4.125%
HK$40,733
baseline
▲ 0.50% · 4.625%
HK$43,211
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,466/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,641
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,784
−HK$1,160/mo
Today · 4.125%
HK$44,944
baseline
▲ 0.50% · 4.625%
HK$47,313
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,888/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,813
−HK$1,557/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,557
+HK$3,187/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,824
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,294
−HK$1,492/mo
Today · 4.125%
HK$57,786
baseline
▲ 0.50% · 4.625%
HK$60,832
+HK$3,046/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,572/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,244 · Scale 2, in force from 26 Feb 2026)