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$27,348
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,199
−HK$864/mo
Today · 4.125%
HK$29,063
baseline
▲ 0.50% · 4.625%
HK$30,832
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,126/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,425
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,241
−HK$827/mo
Today · 4.125%
HK$32,068
baseline
▲ 0.50% · 4.625%
HK$33,759
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,136/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,818
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,839
−HK$1,037/mo
Today · 4.125%
HK$34,876
baseline
▲ 0.50% · 4.625%
HK$36,998
+HK$2,122/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,752/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,509
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,489
−HK$993/mo
Today · 4.125%
HK$38,482
baseline
▲ 0.50% · 4.625%
HK$40,510
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,964/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,287
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,478
−HK$1,210/mo
Today · 4.125%
HK$40,688
baseline
▲ 0.50% · 4.625%
HK$43,164
+HK$2,476/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,376/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,594
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,737
−HK$1,159/mo
Today · 4.125%
HK$44,896
baseline
▲ 0.50% · 4.625%
HK$47,262
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,792/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,227
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,758
−HK$1,556/mo
Today · 4.125%
HK$52,314
baseline
▲ 0.50% · 4.625%
HK$55,497
+HK$3,183/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,628/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,764
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,233
−HK$1,490/mo
Today · 4.125%
HK$57,723
baseline
▲ 0.50% · 4.625%
HK$60,766
+HK$3,043/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,446/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,755 · Scale 2, in force from 26 Feb 2026)