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$50,162
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,722
−HK$1,585/mo
Today · 4.125%
HK$53,307
baseline
▲ 0.50% · 4.625%
HK$56,551
+HK$3,244/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,614/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,804
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,301
−HK$1,518/mo
Today · 4.125%
HK$58,819
baseline
▲ 0.50% · 4.625%
HK$61,920
+HK$3,101/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,638/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,194
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,067
−HK$1,902/mo
Today · 4.125%
HK$63,969
baseline
▲ 0.50% · 4.625%
HK$67,861
+HK$3,892/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,938/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,965
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,761
−HK$1,822/mo
Today · 4.125%
HK$70,583
baseline
▲ 0.50% · 4.625%
HK$74,304
+HK$3,721/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,166/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,227
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,411
−HK$2,219/mo
Today · 4.125%
HK$74,630
baseline
▲ 0.50% · 4.625%
HK$79,171
+HK$4,541/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,260/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,126
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,222
−HK$2,125/mo
Today · 4.125%
HK$82,347
baseline
▲ 0.50% · 4.625%
HK$86,688
+HK$4,341/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,694/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,291
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,100
−HK$2,853/mo
Today · 4.125%
HK$95,953
baseline
▲ 0.50% · 4.625%
HK$101,792
+HK$5,839/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,906/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,448
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,142
−HK$2,733/mo
Today · 4.125%
HK$105,875
baseline
▲ 0.50% · 4.625%
HK$111,456
+HK$5,581/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,750/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,929 · Scale 2, in force from 26 Feb 2026)