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$27,360
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,211
−HK$865/mo
Today · 4.125%
HK$29,076
baseline
▲ 0.50% · 4.625%
HK$30,845
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,152/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,438
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,254
−HK$828/mo
Today · 4.125%
HK$32,082
baseline
▲ 0.50% · 4.625%
HK$33,773
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,164/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,832
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,853
−HK$1,038/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$37,014
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,525
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,505
−HK$993/mo
Today · 4.125%
HK$38,498
baseline
▲ 0.50% · 4.625%
HK$40,528
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,996/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,304
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,495
−HK$1,211/mo
Today · 4.125%
HK$40,706
baseline
▲ 0.50% · 4.625%
HK$43,183
+HK$2,477/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,412/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,613
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,755
−HK$1,160/mo
Today · 4.125%
HK$44,915
baseline
▲ 0.50% · 4.625%
HK$47,282
+HK$2,367/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,830/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,248
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,780
−HK$1,556/mo
Today · 4.125%
HK$52,336
baseline
▲ 0.50% · 4.625%
HK$55,520
+HK$3,184/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,672/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,788
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,257
−HK$1,491/mo
Today · 4.125%
HK$57,748
baseline
▲ 0.50% · 4.625%
HK$60,792
+HK$3,044/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,496/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,947 · Scale 2, in force from 26 Feb 2026)