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$50,153
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,713
−HK$1,585/mo
Today · 4.125%
HK$53,298
baseline
▲ 0.50% · 4.625%
HK$56,541
+HK$3,243/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,596/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,795
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,291
−HK$1,518/mo
Today · 4.125%
HK$58,809
baseline
▲ 0.50% · 4.625%
HK$61,909
+HK$3,100/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,618/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,184
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,056
−HK$1,902/mo
Today · 4.125%
HK$63,958
baseline
▲ 0.50% · 4.625%
HK$67,850
+HK$3,892/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,916/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,954
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,750
−HK$1,821/mo
Today · 4.125%
HK$70,571
baseline
▲ 0.50% · 4.625%
HK$74,291
+HK$3,720/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,142/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,214
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,399
−HK$2,219/mo
Today · 4.125%
HK$74,618
baseline
▲ 0.50% · 4.625%
HK$79,158
+HK$4,540/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,236/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,113
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,208
−HK$2,125/mo
Today · 4.125%
HK$82,333
baseline
▲ 0.50% · 4.625%
HK$86,673
+HK$4,340/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,666/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,276
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,084
−HK$2,853/mo
Today · 4.125%
HK$95,937
baseline
▲ 0.50% · 4.625%
HK$101,774
+HK$5,837/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,874/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,431
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,124
−HK$2,733/mo
Today · 4.125%
HK$105,857
baseline
▲ 0.50% · 4.625%
HK$111,437
+HK$5,580/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,714/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,769 · Scale 2, in force from 26 Feb 2026)