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$50,157
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,718
−HK$1,585/mo
Today · 4.125%
HK$53,303
baseline
▲ 0.50% · 4.625%
HK$56,546
+HK$3,243/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,606/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,800
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,296
−HK$1,518/mo
Today · 4.125%
HK$58,814
baseline
▲ 0.50% · 4.625%
HK$61,914
+HK$3,100/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,628/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,189
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,061
−HK$1,902/mo
Today · 4.125%
HK$63,963
baseline
▲ 0.50% · 4.625%
HK$67,855
+HK$3,892/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,926/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,960
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,755
−HK$1,822/mo
Today · 4.125%
HK$70,577
baseline
▲ 0.50% · 4.625%
HK$74,297
+HK$3,720/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,154/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,220
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,405
−HK$2,219/mo
Today · 4.125%
HK$74,624
baseline
▲ 0.50% · 4.625%
HK$79,165
+HK$4,541/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,248/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,119
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,215
−HK$2,125/mo
Today · 4.125%
HK$82,340
baseline
▲ 0.50% · 4.625%
HK$86,680
+HK$4,340/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,680/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,283
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,092
−HK$2,853/mo
Today · 4.125%
HK$95,945
baseline
▲ 0.50% · 4.625%
HK$101,783
+HK$5,838/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,890/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,439
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,133
−HK$2,733/mo
Today · 4.125%
HK$105,866
baseline
▲ 0.50% · 4.625%
HK$111,446
+HK$5,580/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,732/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,847 · Scale 2, in force from 26 Feb 2026)