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$27,229
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,076
−HK$861/mo
Today · 4.125%
HK$28,937
baseline
▲ 0.50% · 4.625%
HK$30,698
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,874/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,292
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$824/mo
Today · 4.125%
HK$31,929
baseline
▲ 0.50% · 4.625%
HK$33,612
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,858/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,675
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,692
−HK$1,032/mo
Today · 4.125%
HK$34,724
baseline
▲ 0.50% · 4.625%
HK$36,837
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$69,448/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,351
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,326
−HK$989/mo
Today · 4.125%
HK$38,315
baseline
▲ 0.50% · 4.625%
HK$40,334
+HK$2,019/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$76,630/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,121
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,307
−HK$1,205/mo
Today · 4.125%
HK$40,512
baseline
▲ 0.50% · 4.625%
HK$42,977
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,024/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,409
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,547
−HK$1,153/mo
Today · 4.125%
HK$44,700
baseline
▲ 0.50% · 4.625%
HK$47,057
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,400/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,013
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,537
−HK$1,549/mo
Today · 4.125%
HK$52,086
baseline
▲ 0.50% · 4.625%
HK$55,256
+HK$3,170/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,172/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,526
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,989
−HK$1,483/mo
Today · 4.125%
HK$57,472
baseline
▲ 0.50% · 4.625%
HK$60,501
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,944/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,800 · Scale 2, in force from 26 Feb 2026)