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$36,454
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,588
−HK$1,152/mo
Today · 4.125%
HK$38,740
baseline
▲ 0.50% · 4.625%
HK$41,097
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,480/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,554
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,642
−HK$1,103/mo
Today · 4.125%
HK$42,745
baseline
▲ 0.50% · 4.625%
HK$44,999
+HK$2,254/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,490/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,744
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,105
−HK$1,383/mo
Today · 4.125%
HK$46,488
baseline
▲ 0.50% · 4.625%
HK$49,316
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,976/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,665
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,970
−HK$1,324/mo
Today · 4.125%
HK$51,294
baseline
▲ 0.50% · 4.625%
HK$53,998
+HK$2,704/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,588/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,035
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,623
−HK$1,613/mo
Today · 4.125%
HK$54,236
baseline
▲ 0.50% · 4.625%
HK$57,536
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,472/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,776
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,299
−HK$1,545/mo
Today · 4.125%
HK$59,844
baseline
▲ 0.50% · 4.625%
HK$62,998
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,688/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,617
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,658
−HK$2,073/mo
Today · 4.125%
HK$69,731
baseline
▲ 0.50% · 4.625%
HK$73,974
+HK$4,243/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,462/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,998
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,956
−HK$1,986/mo
Today · 4.125%
HK$76,942
baseline
▲ 0.50% · 4.625%
HK$80,997
+HK$4,055/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,884/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,500 · Scale 2, in force from 26 Feb 2026)