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$50,152
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,712
−HK$1,585/mo
Today · 4.125%
HK$53,297
baseline
▲ 0.50% · 4.625%
HK$56,540
+HK$3,243/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,594/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,794
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,290
−HK$1,518/mo
Today · 4.125%
HK$58,808
baseline
▲ 0.50% · 4.625%
HK$61,908
+HK$3,100/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,616/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,183
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,055
−HK$1,901/mo
Today · 4.125%
HK$63,956
baseline
▲ 0.50% · 4.625%
HK$67,848
+HK$3,892/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,912/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,952
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,748
−HK$1,822/mo
Today · 4.125%
HK$70,570
baseline
▲ 0.50% · 4.625%
HK$74,289
+HK$3,719/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,140/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,213
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,397
−HK$2,219/mo
Today · 4.125%
HK$74,616
baseline
▲ 0.50% · 4.625%
HK$79,156
+HK$4,540/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,232/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,111
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,206
−HK$2,125/mo
Today · 4.125%
HK$82,331
baseline
▲ 0.50% · 4.625%
HK$86,671
+HK$4,340/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,662/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,274
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,082
−HK$2,853/mo
Today · 4.125%
HK$95,935
baseline
▲ 0.50% · 4.625%
HK$101,772
+HK$5,837/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,870/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,429
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,122
−HK$2,732/mo
Today · 4.125%
HK$105,854
baseline
▲ 0.50% · 4.625%
HK$111,434
+HK$5,580/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,708/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,748 · Scale 2, in force from 26 Feb 2026)