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$27,346
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,196
−HK$865/mo
Today · 4.125%
HK$29,061
baseline
▲ 0.50% · 4.625%
HK$30,829
+HK$1,768/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,122/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,422
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,238
−HK$828/mo
Today · 4.125%
HK$32,066
baseline
▲ 0.50% · 4.625%
HK$33,756
+HK$1,690/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,132/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,815
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,836
−HK$1,037/mo
Today · 4.125%
HK$34,873
baseline
▲ 0.50% · 4.625%
HK$36,995
+HK$2,122/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,746/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,506
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,485
−HK$994/mo
Today · 4.125%
HK$38,479
baseline
▲ 0.50% · 4.625%
HK$40,507
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,958/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,284
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,475
−HK$1,210/mo
Today · 4.125%
HK$40,685
baseline
▲ 0.50% · 4.625%
HK$43,161
+HK$2,476/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,370/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,591
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,733
−HK$1,159/mo
Today · 4.125%
HK$44,892
baseline
▲ 0.50% · 4.625%
HK$47,258
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,784/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,223
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,754
−HK$1,555/mo
Today · 4.125%
HK$52,309
baseline
▲ 0.50% · 4.625%
HK$55,492
+HK$3,183/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,618/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,760
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,228
−HK$1,490/mo
Today · 4.125%
HK$57,718
baseline
▲ 0.50% · 4.625%
HK$60,760
+HK$3,042/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,436/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,717 · Scale 2, in force from 26 Feb 2026)