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$50,181
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,742
−HK$1,586/mo
Today · 4.125%
HK$53,328
baseline
▲ 0.50% · 4.625%
HK$56,573
+HK$3,245/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,656/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,826
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,323
−HK$1,519/mo
Today · 4.125%
HK$58,842
baseline
▲ 0.50% · 4.625%
HK$61,944
+HK$3,102/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,684/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,217
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,090
−HK$1,903/mo
Today · 4.125%
HK$63,993
baseline
▲ 0.50% · 4.625%
HK$67,887
+HK$3,894/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,986/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,991
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,788
−HK$1,822/mo
Today · 4.125%
HK$70,610
baseline
▲ 0.50% · 4.625%
HK$74,332
+HK$3,722/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,220/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,253
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,439
−HK$2,220/mo
Today · 4.125%
HK$74,659
baseline
▲ 0.50% · 4.625%
HK$79,202
+HK$4,543/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,318/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,156
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,252
−HK$2,127/mo
Today · 4.125%
HK$82,379
baseline
▲ 0.50% · 4.625%
HK$86,721
+HK$4,342/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,758/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,326
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,135
−HK$2,855/mo
Today · 4.125%
HK$95,990
baseline
▲ 0.50% · 4.625%
HK$101,831
+HK$5,841/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$191,980/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,486
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,181
−HK$2,734/mo
Today · 4.125%
HK$105,915
baseline
▲ 0.50% · 4.625%
HK$111,498
+HK$5,583/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,830/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,286 · Scale 2, in force from 26 Feb 2026)