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$27,374
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,226
−HK$865/mo
Today · 4.125%
HK$29,091
baseline
▲ 0.50% · 4.625%
HK$30,861
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,182/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,454
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,271
−HK$828/mo
Today · 4.125%
HK$32,099
baseline
▲ 0.50% · 4.625%
HK$33,791
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,198/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,849
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,871
−HK$1,038/mo
Today · 4.125%
HK$34,909
baseline
▲ 0.50% · 4.625%
HK$37,033
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,818/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,545
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,525
−HK$994/mo
Today · 4.125%
HK$38,519
baseline
▲ 0.50% · 4.625%
HK$40,549
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,038/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,324
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,516
−HK$1,212/mo
Today · 4.125%
HK$40,728
baseline
▲ 0.50% · 4.625%
HK$43,206
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,456/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,635
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,779
−HK$1,160/mo
Today · 4.125%
HK$44,939
baseline
▲ 0.50% · 4.625%
HK$47,308
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,878/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,274
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,807
−HK$1,557/mo
Today · 4.125%
HK$52,364
baseline
▲ 0.50% · 4.625%
HK$55,550
+HK$3,186/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,728/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,817
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,287
−HK$1,491/mo
Today · 4.125%
HK$57,778
baseline
▲ 0.50% · 4.625%
HK$60,824
+HK$3,046/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,556/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,188 · Scale 2, in force from 26 Feb 2026)