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$32,212
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,214
−HK$1,018/mo
Today · 4.125%
HK$34,232
baseline
▲ 0.50% · 4.625%
HK$36,315
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,464/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,836
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,797
−HK$975/mo
Today · 4.125%
HK$37,772
baseline
▲ 0.50% · 4.625%
HK$39,763
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,544/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,655
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,857
−HK$1,222/mo
Today · 4.125%
HK$41,079
baseline
▲ 0.50% · 4.625%
HK$43,578
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,158/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,003
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,157
−HK$1,170/mo
Today · 4.125%
HK$45,327
baseline
▲ 0.50% · 4.625%
HK$47,716
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,654/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,097
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,500
−HK$1,425/mo
Today · 4.125%
HK$47,925
baseline
▲ 0.50% · 4.625%
HK$50,842
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,850/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,170
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,516
−HK$1,365/mo
Today · 4.125%
HK$52,881
baseline
▲ 0.50% · 4.625%
HK$55,668
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,762/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,982
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,786
−HK$1,832/mo
Today · 4.125%
HK$61,618
baseline
▲ 0.50% · 4.625%
HK$65,368
+HK$3,750/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,236/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,505
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,235
−HK$1,755/mo
Today · 4.125%
HK$67,990
baseline
▲ 0.50% · 4.625%
HK$71,574
+HK$3,584/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,980/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,750 · Scale 2, in force from 26 Feb 2026)