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$27,344
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,194
−HK$864/mo
Today · 4.125%
HK$29,058
baseline
▲ 0.50% · 4.625%
HK$30,827
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,116/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,420
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,235
−HK$828/mo
Today · 4.125%
HK$32,063
baseline
▲ 0.50% · 4.625%
HK$33,753
+HK$1,690/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,126/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,812
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,833
−HK$1,037/mo
Today · 4.125%
HK$34,870
baseline
▲ 0.50% · 4.625%
HK$36,992
+HK$2,122/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$69,740/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,504
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,483
−HK$993/mo
Today · 4.125%
HK$38,476
baseline
▲ 0.50% · 4.625%
HK$40,504
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,952/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,281
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,472
−HK$1,210/mo
Today · 4.125%
HK$40,682
baseline
▲ 0.50% · 4.625%
HK$43,157
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,364/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,587
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,730
−HK$1,158/mo
Today · 4.125%
HK$44,888
baseline
▲ 0.50% · 4.625%
HK$47,254
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,776/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,219
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,750
−HK$1,555/mo
Today · 4.125%
HK$52,305
baseline
▲ 0.50% · 4.625%
HK$55,488
+HK$3,183/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,610/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,755
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,224
−HK$1,490/mo
Today · 4.125%
HK$57,714
baseline
▲ 0.50% · 4.625%
HK$60,756
+HK$3,042/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,428/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,682 · Scale 2, in force from 26 Feb 2026)