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$50,187
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,748
−HK$1,586/mo
Today · 4.125%
HK$53,334
baseline
▲ 0.50% · 4.625%
HK$56,579
+HK$3,245/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,668/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,833
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,330
−HK$1,519/mo
Today · 4.125%
HK$58,849
baseline
▲ 0.50% · 4.625%
HK$61,951
+HK$3,102/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,698/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,224
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,098
−HK$1,903/mo
Today · 4.125%
HK$64,001
baseline
▲ 0.50% · 4.625%
HK$67,895
+HK$3,894/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$128,002/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,999
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,796
−HK$1,823/mo
Today · 4.125%
HK$70,619
baseline
▲ 0.50% · 4.625%
HK$74,341
+HK$3,722/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$141,238/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,262
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,447
−HK$2,221/mo
Today · 4.125%
HK$74,668
baseline
▲ 0.50% · 4.625%
HK$79,211
+HK$4,543/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,336/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,166
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,262
−HK$2,127/mo
Today · 4.125%
HK$82,389
baseline
▲ 0.50% · 4.625%
HK$86,732
+HK$4,343/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,778/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,337
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,147
−HK$2,855/mo
Today · 4.125%
HK$96,002
baseline
▲ 0.50% · 4.625%
HK$101,843
+HK$5,841/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,004/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,499
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,194
−HK$2,734/mo
Today · 4.125%
HK$105,928
baseline
▲ 0.50% · 4.625%
HK$111,512
+HK$5,584/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,856/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,400 · Scale 2, in force from 26 Feb 2026)