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$50,156
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,716
−HK$1,585/mo
Today · 4.125%
HK$53,301
baseline
▲ 0.50% · 4.625%
HK$56,544
+HK$3,243/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,602/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,798
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,294
−HK$1,518/mo
Today · 4.125%
HK$58,812
baseline
▲ 0.50% · 4.625%
HK$61,912
+HK$3,100/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,624/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,187
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,059
−HK$1,902/mo
Today · 4.125%
HK$63,961
baseline
▲ 0.50% · 4.625%
HK$67,853
+HK$3,892/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,922/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,957
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,753
−HK$1,822/mo
Today · 4.125%
HK$70,575
baseline
▲ 0.50% · 4.625%
HK$74,295
+HK$3,720/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,150/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,218
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,402
−HK$2,219/mo
Today · 4.125%
HK$74,621
baseline
▲ 0.50% · 4.625%
HK$79,162
+HK$4,541/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,242/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,117
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,212
−HK$2,125/mo
Today · 4.125%
HK$82,337
baseline
▲ 0.50% · 4.625%
HK$86,677
+HK$4,340/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,674/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,280
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,088
−HK$2,853/mo
Today · 4.125%
HK$95,941
baseline
▲ 0.50% · 4.625%
HK$101,779
+HK$5,838/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,882/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,436
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,129
−HK$2,733/mo
Today · 4.125%
HK$105,862
baseline
▲ 0.50% · 4.625%
HK$111,442
+HK$5,580/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,724/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,813 · Scale 2, in force from 26 Feb 2026)