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$27,357
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,208
−HK$864/mo
Today · 4.125%
HK$29,072
baseline
▲ 0.50% · 4.625%
HK$30,841
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,144/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,434
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,250
−HK$828/mo
Today · 4.125%
HK$32,078
baseline
▲ 0.50% · 4.625%
HK$33,769
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,156/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,828
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,849
−HK$1,038/mo
Today · 4.125%
HK$34,887
baseline
▲ 0.50% · 4.625%
HK$37,010
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,774/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,521
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,501
−HK$993/mo
Today · 4.125%
HK$38,494
baseline
▲ 0.50% · 4.625%
HK$40,523
+HK$2,029/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,988/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,300
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,491
−HK$1,210/mo
Today · 4.125%
HK$40,701
baseline
▲ 0.50% · 4.625%
HK$43,178
+HK$2,477/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,402/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,608
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,751
−HK$1,159/mo
Today · 4.125%
HK$44,910
baseline
▲ 0.50% · 4.625%
HK$47,277
+HK$2,367/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,820/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,242
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,774
−HK$1,556/mo
Today · 4.125%
HK$52,330
baseline
▲ 0.50% · 4.625%
HK$55,514
+HK$3,184/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,660/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,782
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,251
−HK$1,490/mo
Today · 4.125%
HK$57,741
baseline
▲ 0.50% · 4.625%
HK$60,785
+HK$3,044/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,482/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,898 · Scale 2, in force from 26 Feb 2026)