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$50,150
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,709
−HK$1,585/mo
Today · 4.125%
HK$53,294
baseline
▲ 0.50% · 4.625%
HK$56,537
+HK$3,243/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,588/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,791
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,287
−HK$1,518/mo
Today · 4.125%
HK$58,805
baseline
▲ 0.50% · 4.625%
HK$61,905
+HK$3,100/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,610/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,179
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,902/mo
Today · 4.125%
HK$63,953
baseline
▲ 0.50% · 4.625%
HK$67,845
+HK$3,892/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,906/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,949
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,745
−HK$1,821/mo
Today · 4.125%
HK$70,566
baseline
▲ 0.50% · 4.625%
HK$74,286
+HK$3,720/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,132/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,209
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,393
−HK$2,219/mo
Today · 4.125%
HK$74,612
baseline
▲ 0.50% · 4.625%
HK$79,152
+HK$4,540/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,224/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,107
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,202
−HK$2,125/mo
Today · 4.125%
HK$82,327
baseline
▲ 0.50% · 4.625%
HK$86,667
+HK$4,340/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,654/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,269
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,077
−HK$2,853/mo
Today · 4.125%
HK$95,930
baseline
▲ 0.50% · 4.625%
HK$101,767
+HK$5,837/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,860/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,424
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,117
−HK$2,732/mo
Today · 4.125%
HK$105,849
baseline
▲ 0.50% · 4.625%
HK$111,429
+HK$5,580/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,698/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,701 · Scale 2, in force from 26 Feb 2026)