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$50,186
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,747
−HK$1,586/mo
Today · 4.125%
HK$53,333
baseline
▲ 0.50% · 4.625%
HK$56,578
+HK$3,245/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,666/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,831
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,328
−HK$1,519/mo
Today · 4.125%
HK$58,847
baseline
▲ 0.50% · 4.625%
HK$61,949
+HK$3,102/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,694/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,223
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,096
−HK$1,903/mo
Today · 4.125%
HK$63,999
baseline
▲ 0.50% · 4.625%
HK$67,893
+HK$3,894/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$127,998/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,997
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,794
−HK$1,823/mo
Today · 4.125%
HK$70,617
baseline
▲ 0.50% · 4.625%
HK$74,339
+HK$3,722/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$141,234/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,260
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,445
−HK$2,221/mo
Today · 4.125%
HK$74,666
baseline
▲ 0.50% · 4.625%
HK$79,209
+HK$4,543/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,332/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,163
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,260
−HK$2,126/mo
Today · 4.125%
HK$82,386
baseline
▲ 0.50% · 4.625%
HK$86,729
+HK$4,343/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,772/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,334
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,144
−HK$2,855/mo
Today · 4.125%
HK$95,999
baseline
▲ 0.50% · 4.625%
HK$101,840
+HK$5,841/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$191,998/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,496
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,191
−HK$2,734/mo
Today · 4.125%
HK$105,925
baseline
▲ 0.50% · 4.625%
HK$111,509
+HK$5,584/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,850/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,372 · Scale 2, in force from 26 Feb 2026)