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$37,685
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,857
−HK$1,191/mo
Today · 4.125%
HK$40,048
baseline
▲ 0.50% · 4.625%
HK$42,485
+HK$2,437/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,096/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,924
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,049
−HK$1,140/mo
Today · 4.125%
HK$44,189
baseline
▲ 0.50% · 4.625%
HK$46,518
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,378/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,222
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,629
−HK$1,429/mo
Today · 4.125%
HK$48,058
baseline
▲ 0.50% · 4.625%
HK$50,982
+HK$2,924/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,116/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,309
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,658
−HK$1,369/mo
Today · 4.125%
HK$53,027
baseline
▲ 0.50% · 4.625%
HK$55,822
+HK$2,795/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,054/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,759
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,400
−HK$1,667/mo
Today · 4.125%
HK$56,067
baseline
▲ 0.50% · 4.625%
HK$59,479
+HK$3,412/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,134/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,694
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,268
−HK$1,597/mo
Today · 4.125%
HK$61,865
baseline
▲ 0.50% · 4.625%
HK$65,126
+HK$3,261/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,730/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,833
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,943
−HK$2,144/mo
Today · 4.125%
HK$72,087
baseline
▲ 0.50% · 4.625%
HK$76,473
+HK$4,386/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,174/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,464
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,487
−HK$2,054/mo
Today · 4.125%
HK$79,541
baseline
▲ 0.50% · 4.625%
HK$83,733
+HK$4,192/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,082/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,750 · Scale 2, in force from 26 Feb 2026)