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$50,170
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,731
−HK$1,585/mo
Today · 4.125%
HK$53,316
baseline
▲ 0.50% · 4.625%
HK$56,560
+HK$3,244/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,632/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,814
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,311
−HK$1,518/mo
Today · 4.125%
HK$58,829
baseline
▲ 0.50% · 4.625%
HK$61,930
+HK$3,101/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,658/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,204
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,077
−HK$1,902/mo
Today · 4.125%
HK$63,979
baseline
▲ 0.50% · 4.625%
HK$67,872
+HK$3,893/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,958/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,976
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,773
−HK$1,822/mo
Today · 4.125%
HK$70,595
baseline
▲ 0.50% · 4.625%
HK$74,316
+HK$3,721/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,190/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,238
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,423
−HK$2,220/mo
Today · 4.125%
HK$74,643
baseline
▲ 0.50% · 4.625%
HK$79,184
+HK$4,541/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,286/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,139
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,235
−HK$2,126/mo
Today · 4.125%
HK$82,361
baseline
▲ 0.50% · 4.625%
HK$86,702
+HK$4,341/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,722/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,306
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$93,115
−HK$2,854/mo
Today · 4.125%
HK$95,969
baseline
▲ 0.50% · 4.625%
HK$101,808
+HK$5,839/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,938/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,465
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,159
−HK$2,733/mo
Today · 4.125%
HK$105,892
baseline
▲ 0.50% · 4.625%
HK$111,474
+HK$5,582/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,784/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,082 · Scale 2, in force from 26 Feb 2026)