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$50,182
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,743
−HK$1,586/mo
Today · 4.125%
HK$53,329
baseline
▲ 0.50% · 4.625%
HK$56,574
+HK$3,245/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,658/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,827
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,324
−HK$1,519/mo
Today · 4.125%
HK$58,843
baseline
▲ 0.50% · 4.625%
HK$61,945
+HK$3,102/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,686/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,218
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,091
−HK$1,904/mo
Today · 4.125%
HK$63,995
baseline
▲ 0.50% · 4.625%
HK$67,888
+HK$3,893/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,990/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,992
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,789
−HK$1,823/mo
Today · 4.125%
HK$70,612
baseline
▲ 0.50% · 4.625%
HK$74,334
+HK$3,722/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,224/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,255
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,440
−HK$2,220/mo
Today · 4.125%
HK$74,660
baseline
▲ 0.50% · 4.625%
HK$79,203
+HK$4,543/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,320/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,158
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,254
−HK$2,126/mo
Today · 4.125%
HK$82,380
baseline
▲ 0.50% · 4.625%
HK$86,723
+HK$4,343/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,760/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,327
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,137
−HK$2,855/mo
Today · 4.125%
HK$95,992
baseline
▲ 0.50% · 4.625%
HK$101,833
+HK$5,841/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$191,984/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,488
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,183
−HK$2,735/mo
Today · 4.125%
HK$105,918
baseline
▲ 0.50% · 4.625%
HK$111,501
+HK$5,583/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,836/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,304 · Scale 2, in force from 26 Feb 2026)