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$27,362
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,213
−HK$865/mo
Today · 4.125%
HK$29,078
baseline
▲ 0.50% · 4.625%
HK$30,847
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,156/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,440
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,256
−HK$829/mo
Today · 4.125%
HK$32,085
baseline
▲ 0.50% · 4.625%
HK$33,776
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,170/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,834
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,856
−HK$1,037/mo
Today · 4.125%
HK$34,893
baseline
▲ 0.50% · 4.625%
HK$37,017
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,786/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,528
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,508
−HK$993/mo
Today · 4.125%
HK$38,501
baseline
▲ 0.50% · 4.625%
HK$40,531
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,002/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,307
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,498
−HK$1,211/mo
Today · 4.125%
HK$40,709
baseline
▲ 0.50% · 4.625%
HK$43,186
+HK$2,477/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,418/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,616
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,759
−HK$1,159/mo
Today · 4.125%
HK$44,918
baseline
▲ 0.50% · 4.625%
HK$47,286
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,836/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,252
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,784
−HK$1,556/mo
Today · 4.125%
HK$52,340
baseline
▲ 0.50% · 4.625%
HK$55,525
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,680/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,792
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,261
−HK$1,491/mo
Today · 4.125%
HK$57,752
baseline
▲ 0.50% · 4.625%
HK$60,796
+HK$3,044/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,504/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,983 · Scale 2, in force from 26 Feb 2026)