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$33,316
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,352
−HK$1,053/mo
Today · 4.125%
HK$35,405
baseline
▲ 0.50% · 4.625%
HK$37,560
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,810/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,064
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,058
−HK$1,008/mo
Today · 4.125%
HK$39,066
baseline
▲ 0.50% · 4.625%
HK$41,125
+HK$2,059/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,132/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,979
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,223
−HK$1,263/mo
Today · 4.125%
HK$42,486
baseline
▲ 0.50% · 4.625%
HK$45,072
+HK$2,586/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$84,972/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,477
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,669
−HK$1,210/mo
Today · 4.125%
HK$46,879
baseline
▲ 0.50% · 4.625%
HK$49,351
+HK$2,472/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,758/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,642
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,093
−HK$1,474/mo
Today · 4.125%
HK$49,567
baseline
▲ 0.50% · 4.625%
HK$52,583
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,134/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,889
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,281
−HK$1,412/mo
Today · 4.125%
HK$54,693
baseline
▲ 0.50% · 4.625%
HK$57,576
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,386/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,969
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,834
−HK$1,895/mo
Today · 4.125%
HK$63,729
baseline
▲ 0.50% · 4.625%
HK$67,607
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,458/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,715
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,504
−HK$1,815/mo
Today · 4.125%
HK$70,319
baseline
▲ 0.50% · 4.625%
HK$74,026
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,638/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,900 · Scale 2, in force from 26 Feb 2026)