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$50,147
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,707
−HK$1,585/mo
Today · 4.125%
HK$53,292
baseline
▲ 0.50% · 4.625%
HK$56,535
+HK$3,243/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,584/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,788
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,285
−HK$1,518/mo
Today · 4.125%
HK$58,803
baseline
▲ 0.50% · 4.625%
HK$61,902
+HK$3,099/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,606/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,177
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,901/mo
Today · 4.125%
HK$63,950
baseline
▲ 0.50% · 4.625%
HK$67,842
+HK$3,892/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,900/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,946
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,742
−HK$1,821/mo
Today · 4.125%
HK$70,563
baseline
▲ 0.50% · 4.625%
HK$74,283
+HK$3,720/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,126/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,206
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,390
−HK$2,219/mo
Today · 4.125%
HK$74,609
baseline
▲ 0.50% · 4.625%
HK$79,149
+HK$4,540/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,218/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,104
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,199
−HK$2,125/mo
Today · 4.125%
HK$82,324
baseline
▲ 0.50% · 4.625%
HK$86,663
+HK$4,339/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,648/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,265
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,073
−HK$2,853/mo
Today · 4.125%
HK$95,926
baseline
▲ 0.50% · 4.625%
HK$101,763
+HK$5,837/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,852/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,419
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,112
−HK$2,733/mo
Today · 4.125%
HK$105,845
baseline
▲ 0.50% · 4.625%
HK$111,424
+HK$5,579/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,690/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,660 · Scale 2, in force from 26 Feb 2026)