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$50,150
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,710
−HK$1,585/mo
Today · 4.125%
HK$53,295
baseline
▲ 0.50% · 4.625%
HK$56,538
+HK$3,243/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,590/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,791
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,288
−HK$1,517/mo
Today · 4.125%
HK$58,805
baseline
▲ 0.50% · 4.625%
HK$61,905
+HK$3,100/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,610/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,180
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,052
−HK$1,902/mo
Today · 4.125%
HK$63,954
baseline
▲ 0.50% · 4.625%
HK$67,845
+HK$3,891/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,908/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,949
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,745
−HK$1,822/mo
Today · 4.125%
HK$70,567
baseline
▲ 0.50% · 4.625%
HK$74,286
+HK$3,719/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,134/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,210
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,394
−HK$2,219/mo
Today · 4.125%
HK$74,613
baseline
▲ 0.50% · 4.625%
HK$79,153
+HK$4,540/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,226/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,108
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,203
−HK$2,125/mo
Today · 4.125%
HK$82,328
baseline
▲ 0.50% · 4.625%
HK$86,667
+HK$4,339/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,656/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,270
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,078
−HK$2,852/mo
Today · 4.125%
HK$95,930
baseline
▲ 0.50% · 4.625%
HK$101,768
+HK$5,838/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,860/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,424
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,118
−HK$2,732/mo
Today · 4.125%
HK$105,850
baseline
▲ 0.50% · 4.625%
HK$111,429
+HK$5,579/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,700/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,706 · Scale 2, in force from 26 Feb 2026)