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$27,377
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,229
−HK$865/mo
Today · 4.125%
HK$29,094
baseline
▲ 0.50% · 4.625%
HK$30,864
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,188/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,457
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,274
−HK$828/mo
Today · 4.125%
HK$32,102
baseline
▲ 0.50% · 4.625%
HK$33,794
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,204/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,874
−HK$1,039/mo
Today · 4.125%
HK$34,913
baseline
▲ 0.50% · 4.625%
HK$37,037
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,826/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,548
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,528
−HK$995/mo
Today · 4.125%
HK$38,523
baseline
▲ 0.50% · 4.625%
HK$40,553
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,046/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,328
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,520
−HK$1,211/mo
Today · 4.125%
HK$40,731
baseline
▲ 0.50% · 4.625%
HK$43,210
+HK$2,479/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,462/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,639
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,783
−HK$1,160/mo
Today · 4.125%
HK$44,943
baseline
▲ 0.50% · 4.625%
HK$47,312
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,886/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,279
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,812
−HK$1,557/mo
Today · 4.125%
HK$52,369
baseline
▲ 0.50% · 4.625%
HK$55,555
+HK$3,186/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,738/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,822
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,292
−HK$1,492/mo
Today · 4.125%
HK$57,784
baseline
▲ 0.50% · 4.625%
HK$60,830
+HK$3,046/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,568/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,230 · Scale 2, in force from 26 Feb 2026)