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$27,359
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,211
−HK$864/mo
Today · 4.125%
HK$29,075
baseline
▲ 0.50% · 4.625%
HK$30,844
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,150/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,437
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,253
−HK$829/mo
Today · 4.125%
HK$32,082
baseline
▲ 0.50% · 4.625%
HK$33,773
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,164/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,831
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,853
−HK$1,037/mo
Today · 4.125%
HK$34,890
baseline
▲ 0.50% · 4.625%
HK$37,013
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,780/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,525
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,504
−HK$994/mo
Today · 4.125%
HK$38,498
baseline
▲ 0.50% · 4.625%
HK$40,527
+HK$2,029/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,996/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,303
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,495
−HK$1,210/mo
Today · 4.125%
HK$40,705
baseline
▲ 0.50% · 4.625%
HK$43,182
+HK$2,477/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,410/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,612
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,755
−HK$1,159/mo
Today · 4.125%
HK$44,914
baseline
▲ 0.50% · 4.625%
HK$47,282
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,828/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,247
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,779
−HK$1,556/mo
Today · 4.125%
HK$52,335
baseline
▲ 0.50% · 4.625%
HK$55,520
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,670/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,787
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,256
−HK$1,491/mo
Today · 4.125%
HK$57,747
baseline
▲ 0.50% · 4.625%
HK$60,791
+HK$3,044/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,494/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,941 · Scale 2, in force from 26 Feb 2026)