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$34,949
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,036
−HK$1,104/mo
Today · 4.125%
HK$37,140
baseline
▲ 0.50% · 4.625%
HK$39,400
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,280/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,880
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,923
−HK$1,058/mo
Today · 4.125%
HK$40,981
baseline
▲ 0.50% · 4.625%
HK$43,141
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,962/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,938
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,243
−HK$1,325/mo
Today · 4.125%
HK$44,568
baseline
▲ 0.50% · 4.625%
HK$47,280
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,136/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,656
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,907
−HK$1,270/mo
Today · 4.125%
HK$49,177
baseline
▲ 0.50% · 4.625%
HK$51,769
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,354/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,928
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,450
−HK$1,546/mo
Today · 4.125%
HK$51,996
baseline
▲ 0.50% · 4.625%
HK$55,160
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,992/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,432
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,892
−HK$1,481/mo
Today · 4.125%
HK$57,373
baseline
▲ 0.50% · 4.625%
HK$60,397
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,746/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,908
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,864
−HK$1,989/mo
Today · 4.125%
HK$66,853
baseline
▲ 0.50% · 4.625%
HK$70,920
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,706/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,984
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,861
−HK$1,904/mo
Today · 4.125%
HK$73,765
baseline
▲ 0.50% · 4.625%
HK$77,653
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,530/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,750 · Scale 2, in force from 26 Feb 2026)