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$27,276
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,125
−HK$862/mo
Today · 4.125%
HK$28,987
baseline
▲ 0.50% · 4.625%
HK$30,750
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,974/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,344
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,158
−HK$826/mo
Today · 4.125%
HK$31,984
baseline
▲ 0.50% · 4.625%
HK$33,670
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,968/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,731
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$1,035/mo
Today · 4.125%
HK$34,784
baseline
▲ 0.50% · 4.625%
HK$36,900
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$69,568/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,413
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,390
−HK$991/mo
Today · 4.125%
HK$38,381
baseline
▲ 0.50% · 4.625%
HK$40,404
+HK$2,023/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$76,762/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,187
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,374
−HK$1,207/mo
Today · 4.125%
HK$40,581
baseline
▲ 0.50% · 4.625%
HK$43,050
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,162/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,482
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,622
−HK$1,155/mo
Today · 4.125%
HK$44,777
baseline
▲ 0.50% · 4.625%
HK$47,138
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,554/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,097
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,624
−HK$1,552/mo
Today · 4.125%
HK$52,176
baseline
▲ 0.50% · 4.625%
HK$55,351
+HK$3,175/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,352/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,620
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,085
−HK$1,486/mo
Today · 4.125%
HK$57,571
baseline
▲ 0.50% · 4.625%
HK$60,606
+HK$3,035/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,142/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,570 · Scale 2, in force from 26 Feb 2026)