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$50,169
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,730
−HK$1,585/mo
Today · 4.125%
HK$53,315
baseline
▲ 0.50% · 4.625%
HK$56,559
+HK$3,244/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,630/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,813
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,310
−HK$1,518/mo
Today · 4.125%
HK$58,828
baseline
▲ 0.50% · 4.625%
HK$61,929
+HK$3,101/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,656/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,203
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,076
−HK$1,902/mo
Today · 4.125%
HK$63,978
baseline
▲ 0.50% · 4.625%
HK$67,871
+HK$3,893/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,956/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,975
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,772
−HK$1,822/mo
Today · 4.125%
HK$70,594
baseline
▲ 0.50% · 4.625%
HK$74,315
+HK$3,721/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,188/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,237
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,422
−HK$2,219/mo
Today · 4.125%
HK$74,641
baseline
▲ 0.50% · 4.625%
HK$79,183
+HK$4,542/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,282/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,138
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,233
−HK$2,126/mo
Today · 4.125%
HK$82,359
baseline
▲ 0.50% · 4.625%
HK$86,701
+HK$4,342/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,718/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,305
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,114
−HK$2,853/mo
Today · 4.125%
HK$95,967
baseline
▲ 0.50% · 4.625%
HK$101,807
+HK$5,840/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,934/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,463
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,157
−HK$2,734/mo
Today · 4.125%
HK$105,891
baseline
▲ 0.50% · 4.625%
HK$111,472
+HK$5,581/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,782/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,067 · Scale 2, in force from 26 Feb 2026)