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$27,369
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,220
−HK$865/mo
Today · 4.125%
HK$29,085
baseline
▲ 0.50% · 4.625%
HK$30,855
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,170/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,447
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,264
−HK$828/mo
Today · 4.125%
HK$32,092
baseline
▲ 0.50% · 4.625%
HK$33,784
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,184/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,842
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,864
−HK$1,038/mo
Today · 4.125%
HK$34,902
baseline
▲ 0.50% · 4.625%
HK$37,026
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,804/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,537
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,517
−HK$994/mo
Today · 4.125%
HK$38,511
baseline
▲ 0.50% · 4.625%
HK$40,541
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,022/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,316
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,508
−HK$1,211/mo
Today · 4.125%
HK$40,719
baseline
▲ 0.50% · 4.625%
HK$43,197
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,438/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,626
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,770
−HK$1,159/mo
Today · 4.125%
HK$44,929
baseline
▲ 0.50% · 4.625%
HK$47,298
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,858/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,264
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,796
−HK$1,557/mo
Today · 4.125%
HK$52,353
baseline
▲ 0.50% · 4.625%
HK$55,538
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,706/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,805
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,275
−HK$1,491/mo
Today · 4.125%
HK$57,766
baseline
▲ 0.50% · 4.625%
HK$60,811
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,532/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,092 · Scale 2, in force from 26 Feb 2026)