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$35,192
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,287
−HK$1,112/mo
Today · 4.125%
HK$37,399
baseline
▲ 0.50% · 4.625%
HK$39,674
+HK$2,275/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,798/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,151
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,201
−HK$1,065/mo
Today · 4.125%
HK$41,266
baseline
▲ 0.50% · 4.625%
HK$43,441
+HK$2,175/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,532/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,230
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,544
−HK$1,334/mo
Today · 4.125%
HK$44,878
baseline
▲ 0.50% · 4.625%
HK$47,609
+HK$2,731/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,756/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,981
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,241
−HK$1,278/mo
Today · 4.125%
HK$49,519
baseline
▲ 0.50% · 4.625%
HK$52,129
+HK$2,610/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$99,038/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,269
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,801
−HK$1,557/mo
Today · 4.125%
HK$52,358
baseline
▲ 0.50% · 4.625%
HK$55,544
+HK$3,186/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,716/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,811
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,281
−HK$1,491/mo
Today · 4.125%
HK$57,772
baseline
▲ 0.50% · 4.625%
HK$60,817
+HK$3,045/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,544/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,345
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,316
−HK$2,002/mo
Today · 4.125%
HK$67,318
baseline
▲ 0.50% · 4.625%
HK$71,414
+HK$4,096/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,636/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,471
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,361
−HK$1,917/mo
Today · 4.125%
HK$74,278
baseline
▲ 0.50% · 4.625%
HK$78,194
+HK$3,916/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,556/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,750 · Scale 2, in force from 26 Feb 2026)