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$32,136
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,136
−HK$1,016/mo
Today · 4.125%
HK$34,152
baseline
▲ 0.50% · 4.625%
HK$36,230
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,304/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,751
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,710
−HK$973/mo
Today · 4.125%
HK$37,683
baseline
▲ 0.50% · 4.625%
HK$39,669
+HK$1,986/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,366/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,564
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,763
−HK$1,219/mo
Today · 4.125%
HK$40,982
baseline
▲ 0.50% · 4.625%
HK$43,476
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,964/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,902
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,052
−HK$1,168/mo
Today · 4.125%
HK$45,220
baseline
▲ 0.50% · 4.625%
HK$47,603
+HK$2,383/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,440/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,991
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,390
−HK$1,422/mo
Today · 4.125%
HK$47,812
baseline
▲ 0.50% · 4.625%
HK$50,722
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,624/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,052
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,394
−HK$1,362/mo
Today · 4.125%
HK$52,756
baseline
▲ 0.50% · 4.625%
HK$55,537
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,512/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,845
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,645
−HK$1,828/mo
Today · 4.125%
HK$61,473
baseline
▲ 0.50% · 4.625%
HK$65,213
+HK$3,740/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,946/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,353
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,078
−HK$1,751/mo
Today · 4.125%
HK$67,829
baseline
▲ 0.50% · 4.625%
HK$71,405
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,658/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,500 · Scale 2, in force from 26 Feb 2026)