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$26,688
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,518
−HK$844/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$30,087
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,690
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,486
−HK$808/mo
Today · 4.125%
HK$31,294
baseline
▲ 0.50% · 4.625%
HK$32,944
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,588/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,026
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,022
−HK$1,012/mo
Today · 4.125%
HK$34,034
baseline
▲ 0.50% · 4.625%
HK$36,105
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,068/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,628
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,584
−HK$969/mo
Today · 4.125%
HK$37,553
baseline
▲ 0.50% · 4.625%
HK$39,533
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,106/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,363
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,526
−HK$1,180/mo
Today · 4.125%
HK$39,706
baseline
▲ 0.50% · 4.625%
HK$42,122
+HK$2,416/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,412/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,566
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,681
−HK$1,131/mo
Today · 4.125%
HK$43,812
baseline
▲ 0.50% · 4.625%
HK$46,121
+HK$2,309/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,624/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,533
−HK$1,518/mo
Today · 4.125%
HK$51,051
baseline
▲ 0.50% · 4.625%
HK$54,157
+HK$3,106/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,102/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,442
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,876
−HK$1,454/mo
Today · 4.125%
HK$56,330
baseline
▲ 0.50% · 4.625%
HK$59,299
+HK$2,969/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,660/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,900 · Scale 2, in force from 26 Feb 2026)