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$27,374
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,226
−HK$865/mo
Today · 4.125%
HK$29,091
baseline
▲ 0.50% · 4.625%
HK$30,861
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,182/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,453
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,270
−HK$829/mo
Today · 4.125%
HK$32,099
baseline
▲ 0.50% · 4.625%
HK$33,791
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,198/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,849
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,871
−HK$1,038/mo
Today · 4.125%
HK$34,909
baseline
▲ 0.50% · 4.625%
HK$37,033
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,818/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,544
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,524
−HK$994/mo
Today · 4.125%
HK$38,518
baseline
▲ 0.50% · 4.625%
HK$40,549
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,036/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,324
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,516
−HK$1,211/mo
Today · 4.125%
HK$40,727
baseline
▲ 0.50% · 4.625%
HK$43,205
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,454/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,635
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,778
−HK$1,160/mo
Today · 4.125%
HK$44,938
baseline
▲ 0.50% · 4.625%
HK$47,307
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,876/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,273
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,806
−HK$1,557/mo
Today · 4.125%
HK$52,363
baseline
▲ 0.50% · 4.625%
HK$55,549
+HK$3,186/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,726/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,816
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,286
−HK$1,492/mo
Today · 4.125%
HK$57,778
baseline
▲ 0.50% · 4.625%
HK$60,823
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,556/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,181 · Scale 2, in force from 26 Feb 2026)