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$26,998
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$853/mo
Today · 4.125%
HK$28,691
baseline
▲ 0.50% · 4.625%
HK$30,437
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,382/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,035
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$817/mo
Today · 4.125%
HK$31,658
baseline
▲ 0.50% · 4.625%
HK$33,327
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,316/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,398
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,406
−HK$1,023/mo
Today · 4.125%
HK$34,429
baseline
▲ 0.50% · 4.625%
HK$36,524
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$68,858/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,042
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,009
−HK$980/mo
Today · 4.125%
HK$37,989
baseline
▲ 0.50% · 4.625%
HK$39,992
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,978/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,797
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,973
−HK$1,195/mo
Today · 4.125%
HK$40,168
baseline
▲ 0.50% · 4.625%
HK$42,612
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,336/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,049
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,177
−HK$1,144/mo
Today · 4.125%
HK$44,321
baseline
▲ 0.50% · 4.625%
HK$46,657
+HK$2,336/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,642/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,597
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,108
−HK$1,536/mo
Today · 4.125%
HK$51,644
baseline
▲ 0.50% · 4.625%
HK$54,787
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,288/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,063
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,513
−HK$1,471/mo
Today · 4.125%
HK$56,984
baseline
▲ 0.50% · 4.625%
HK$59,988
+HK$3,004/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,968/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,999 · Scale 2, in force from 26 Feb 2026)