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$27,368
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$865/mo
Today · 4.125%
HK$29,084
baseline
▲ 0.50% · 4.625%
HK$30,854
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,168/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,447
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,263
−HK$829/mo
Today · 4.125%
HK$32,092
baseline
▲ 0.50% · 4.625%
HK$33,783
+HK$1,691/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$450,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,842
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,863
−HK$1,038/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$37,025
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,536
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,516
−HK$994/mo
Today · 4.125%
HK$38,510
baseline
▲ 0.50% · 4.625%
HK$40,540
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,020/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,315
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,507
−HK$1,211/mo
Today · 4.125%
HK$40,718
baseline
▲ 0.50% · 4.625%
HK$43,196
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,436/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,625
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,769
−HK$1,159/mo
Today · 4.125%
HK$44,928
baseline
▲ 0.50% · 4.625%
HK$47,296
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,856/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,262
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,795
−HK$1,557/mo
Today · 4.125%
HK$52,352
baseline
▲ 0.50% · 4.625%
HK$55,537
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,704/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,804
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,274
−HK$1,491/mo
Today · 4.125%
HK$57,765
baseline
▲ 0.50% · 4.625%
HK$60,810
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,530/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,082 · Scale 2, in force from 26 Feb 2026)