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$50,149
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,709
−HK$1,585/mo
Today · 4.125%
HK$53,294
baseline
▲ 0.50% · 4.625%
HK$56,536
+HK$3,242/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,588/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,790
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,286
−HK$1,518/mo
Today · 4.125%
HK$58,804
baseline
▲ 0.50% · 4.625%
HK$61,904
+HK$3,100/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,608/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,179
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,901/mo
Today · 4.125%
HK$63,952
baseline
▲ 0.50% · 4.625%
HK$67,844
+HK$3,892/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,904/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,948
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,744
−HK$1,821/mo
Today · 4.125%
HK$70,565
baseline
▲ 0.50% · 4.625%
HK$74,285
+HK$3,720/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,130/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,208
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,392
−HK$2,219/mo
Today · 4.125%
HK$74,611
baseline
▲ 0.50% · 4.625%
HK$79,151
+HK$4,540/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,222/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,106
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,201
−HK$2,125/mo
Today · 4.125%
HK$82,326
baseline
▲ 0.50% · 4.625%
HK$86,666
+HK$4,340/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,652/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,268
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,076
−HK$2,853/mo
Today · 4.125%
HK$95,929
baseline
▲ 0.50% · 4.625%
HK$101,766
+HK$5,837/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,858/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,422
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,116
−HK$2,732/mo
Today · 4.125%
HK$105,848
baseline
▲ 0.50% · 4.625%
HK$111,427
+HK$5,579/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,696/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,689 · Scale 2, in force from 26 Feb 2026)