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$50,164
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,724
−HK$1,585/mo
Today · 4.125%
HK$53,309
baseline
▲ 0.50% · 4.625%
HK$56,553
+HK$3,244/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,618/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,807
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,303
−HK$1,519/mo
Today · 4.125%
HK$58,822
baseline
▲ 0.50% · 4.625%
HK$61,922
+HK$3,100/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,644/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,196
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,069
−HK$1,902/mo
Today · 4.125%
HK$63,971
baseline
▲ 0.50% · 4.625%
HK$67,864
+HK$3,893/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,942/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,968
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,764
−HK$1,822/mo
Today · 4.125%
HK$70,586
baseline
▲ 0.50% · 4.625%
HK$74,307
+HK$3,721/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,172/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,229
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,414
−HK$2,219/mo
Today · 4.125%
HK$74,633
baseline
▲ 0.50% · 4.625%
HK$79,174
+HK$4,541/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,266/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,129
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,225
−HK$2,125/mo
Today · 4.125%
HK$82,350
baseline
▲ 0.50% · 4.625%
HK$86,691
+HK$4,341/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,700/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,295
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,103
−HK$2,854/mo
Today · 4.125%
HK$95,957
baseline
▲ 0.50% · 4.625%
HK$101,796
+HK$5,839/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,914/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,452
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,146
−HK$2,733/mo
Today · 4.125%
HK$105,879
baseline
▲ 0.50% · 4.625%
HK$111,460
+HK$5,581/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,758/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,964 · Scale 2, in force from 26 Feb 2026)