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$50,175
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,736
−HK$1,585/mo
Today · 4.125%
HK$53,321
baseline
▲ 0.50% · 4.625%
HK$56,566
+HK$3,245/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,642/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,819
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,316
−HK$1,519/mo
Today · 4.125%
HK$58,835
baseline
▲ 0.50% · 4.625%
HK$61,936
+HK$3,101/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,670/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,210
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,083
−HK$1,903/mo
Today · 4.125%
HK$63,986
baseline
▲ 0.50% · 4.625%
HK$67,879
+HK$3,893/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,972/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,983
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,779
−HK$1,823/mo
Today · 4.125%
HK$70,602
baseline
▲ 0.50% · 4.625%
HK$74,323
+HK$3,721/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,204/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,245
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,430
−HK$2,220/mo
Today · 4.125%
HK$74,650
baseline
▲ 0.50% · 4.625%
HK$79,192
+HK$4,542/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,300/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,147
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,243
−HK$2,126/mo
Today · 4.125%
HK$82,369
baseline
▲ 0.50% · 4.625%
HK$86,711
+HK$4,342/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,738/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,315
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,124
−HK$2,855/mo
Today · 4.125%
HK$95,979
baseline
▲ 0.50% · 4.625%
HK$101,819
+HK$5,840/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,958/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,475
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,169
−HK$2,734/mo
Today · 4.125%
HK$105,903
baseline
▲ 0.50% · 4.625%
HK$111,485
+HK$5,582/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,806/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,175 · Scale 2, in force from 26 Feb 2026)