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$50,188
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,749
−HK$1,586/mo
Today · 4.125%
HK$53,335
baseline
▲ 0.50% · 4.625%
HK$56,580
+HK$3,245/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,670/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,834
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,331
−HK$1,519/mo
Today · 4.125%
HK$58,850
baseline
▲ 0.50% · 4.625%
HK$61,952
+HK$3,102/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,700/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,225
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,099
−HK$1,903/mo
Today · 4.125%
HK$64,002
baseline
▲ 0.50% · 4.625%
HK$67,897
+HK$3,895/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$128,004/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,000
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,797
−HK$1,823/mo
Today · 4.125%
HK$70,620
baseline
▲ 0.50% · 4.625%
HK$74,343
+HK$3,723/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$141,240/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,263
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,449
−HK$2,220/mo
Today · 4.125%
HK$74,669
baseline
▲ 0.50% · 4.625%
HK$79,213
+HK$4,544/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,338/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,167
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,263
−HK$2,127/mo
Today · 4.125%
HK$82,390
baseline
▲ 0.50% · 4.625%
HK$86,733
+HK$4,343/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,780/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,338
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,148
−HK$2,855/mo
Today · 4.125%
HK$96,003
baseline
▲ 0.50% · 4.625%
HK$101,845
+HK$5,842/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,006/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,500
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,196
−HK$2,734/mo
Today · 4.125%
HK$105,930
baseline
▲ 0.50% · 4.625%
HK$111,514
+HK$5,584/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,860/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,415 · Scale 2, in force from 26 Feb 2026)