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$27,302
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,151
−HK$863/mo
Today · 4.125%
HK$29,014
baseline
▲ 0.50% · 4.625%
HK$30,780
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,028/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$448,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,373
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,188
−HK$826/mo
Today · 4.125%
HK$32,014
baseline
▲ 0.50% · 4.625%
HK$33,702
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,028/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$448,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,763
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,782
−HK$1,035/mo
Today · 4.125%
HK$34,817
baseline
▲ 0.50% · 4.625%
HK$36,936
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,634/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,448
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,426
−HK$991/mo
Today · 4.125%
HK$38,417
baseline
▲ 0.50% · 4.625%
HK$40,442
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,834/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,223
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,412
−HK$1,208/mo
Today · 4.125%
HK$40,620
baseline
▲ 0.50% · 4.625%
HK$43,092
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,240/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,523
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,663
−HK$1,157/mo
Today · 4.125%
HK$44,820
baseline
▲ 0.50% · 4.625%
HK$47,183
+HK$2,363/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,640/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,144
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,673
−HK$1,553/mo
Today · 4.125%
HK$52,226
baseline
▲ 0.50% · 4.625%
HK$55,403
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,452/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,672
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,138
−HK$1,488/mo
Today · 4.125%
HK$57,626
baseline
▲ 0.50% · 4.625%
HK$60,663
+HK$3,037/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,252/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,999 · Scale 2, in force from 26 Feb 2026)