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$36,174
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,299
−HK$1,143/mo
Today · 4.125%
HK$38,442
baseline
▲ 0.50% · 4.625%
HK$40,782
+HK$2,340/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,884/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,243
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,322
−HK$1,095/mo
Today · 4.125%
HK$42,417
baseline
▲ 0.50% · 4.625%
HK$44,653
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,834/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,409
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,759
−HK$1,372/mo
Today · 4.125%
HK$46,131
baseline
▲ 0.50% · 4.625%
HK$48,938
+HK$2,807/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,262/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,292
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,587
−HK$1,314/mo
Today · 4.125%
HK$50,901
baseline
▲ 0.50% · 4.625%
HK$53,584
+HK$2,683/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,802/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,644
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,219
−HK$1,600/mo
Today · 4.125%
HK$53,819
baseline
▲ 0.50% · 4.625%
HK$57,094
+HK$3,275/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,638/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,340
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,851
−HK$1,533/mo
Today · 4.125%
HK$59,384
baseline
▲ 0.50% · 4.625%
HK$62,515
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,768/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,113
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,139
−HK$2,057/mo
Today · 4.125%
HK$69,196
baseline
▲ 0.50% · 4.625%
HK$73,407
+HK$4,211/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,392/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,438
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,380
−HK$1,971/mo
Today · 4.125%
HK$76,351
baseline
▲ 0.50% · 4.625%
HK$80,376
+HK$4,025/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,702/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,900 · Scale 2, in force from 26 Feb 2026)