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$27,368
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$865/mo
Today · 4.125%
HK$29,084
baseline
▲ 0.50% · 4.625%
HK$30,854
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,168/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,446
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,263
−HK$828/mo
Today · 4.125%
HK$32,091
baseline
▲ 0.50% · 4.625%
HK$33,783
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,182/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,841
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,863
−HK$1,038/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$37,024
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,536
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,515
−HK$994/mo
Today · 4.125%
HK$38,509
baseline
▲ 0.50% · 4.625%
HK$40,539
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,018/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,315
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,507
−HK$1,210/mo
Today · 4.125%
HK$40,717
baseline
▲ 0.50% · 4.625%
HK$43,195
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,434/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,625
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,768
−HK$1,160/mo
Today · 4.125%
HK$44,928
baseline
▲ 0.50% · 4.625%
HK$47,296
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,856/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,262
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,794
−HK$1,557/mo
Today · 4.125%
HK$52,351
baseline
▲ 0.50% · 4.625%
HK$55,536
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,702/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,803
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,273
−HK$1,491/mo
Today · 4.125%
HK$57,764
baseline
▲ 0.50% · 4.625%
HK$60,809
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,528/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,076 · Scale 2, in force from 26 Feb 2026)