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$27,379
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,231
−HK$865/mo
Today · 4.125%
HK$29,096
baseline
▲ 0.50% · 4.625%
HK$30,867
+HK$1,771/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,192/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,459
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,276
−HK$829/mo
Today · 4.125%
HK$32,105
baseline
▲ 0.50% · 4.625%
HK$33,797
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,210/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,855
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,877
−HK$1,039/mo
Today · 4.125%
HK$34,916
baseline
▲ 0.50% · 4.625%
HK$37,040
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,832/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,551
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,532
−HK$994/mo
Today · 4.125%
HK$38,526
baseline
▲ 0.50% · 4.625%
HK$40,557
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,052/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,331
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,524
−HK$1,211/mo
Today · 4.125%
HK$40,735
baseline
▲ 0.50% · 4.625%
HK$43,214
+HK$2,479/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,470/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,643
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,787
−HK$1,160/mo
Today · 4.125%
HK$44,947
baseline
▲ 0.50% · 4.625%
HK$47,316
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,894/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,283
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,816
−HK$1,557/mo
Today · 4.125%
HK$52,373
baseline
▲ 0.50% · 4.625%
HK$55,560
+HK$3,187/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,746/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,827
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,297
−HK$1,492/mo
Today · 4.125%
HK$57,789
baseline
▲ 0.50% · 4.625%
HK$60,835
+HK$3,046/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,578/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,270 · Scale 2, in force from 26 Feb 2026)