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$50,172
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,733
−HK$1,585/mo
Today · 4.125%
HK$53,318
baseline
▲ 0.50% · 4.625%
HK$56,562
+HK$3,244/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,636/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,816
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,313
−HK$1,518/mo
Today · 4.125%
HK$58,831
baseline
▲ 0.50% · 4.625%
HK$61,932
+HK$3,101/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,662/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,206
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,079
−HK$1,903/mo
Today · 4.125%
HK$63,982
baseline
▲ 0.50% · 4.625%
HK$67,875
+HK$3,893/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,964/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,979
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,775
−HK$1,823/mo
Today · 4.125%
HK$70,598
baseline
▲ 0.50% · 4.625%
HK$74,319
+HK$3,721/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,196/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,241
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,426
−HK$2,219/mo
Today · 4.125%
HK$74,645
baseline
▲ 0.50% · 4.625%
HK$79,187
+HK$4,542/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,290/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,142
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,238
−HK$2,126/mo
Today · 4.125%
HK$82,364
baseline
▲ 0.50% · 4.625%
HK$86,705
+HK$4,341/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,728/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,310
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$93,119
−HK$2,854/mo
Today · 4.125%
HK$95,973
baseline
▲ 0.50% · 4.625%
HK$101,812
+HK$5,839/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,946/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,468
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,163
−HK$2,733/mo
Today · 4.125%
HK$105,896
baseline
▲ 0.50% · 4.625%
HK$111,478
+HK$5,582/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,792/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,118 · Scale 2, in force from 26 Feb 2026)