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$50,186
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,747
−HK$1,587/mo
Today · 4.125%
HK$53,334
baseline
▲ 0.50% · 4.625%
HK$56,579
+HK$3,245/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,668/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,832
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,329
−HK$1,519/mo
Today · 4.125%
HK$58,848
baseline
▲ 0.50% · 4.625%
HK$61,950
+HK$3,102/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,696/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,224
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,097
−HK$1,903/mo
Today · 4.125%
HK$64,000
baseline
▲ 0.50% · 4.625%
HK$67,895
+HK$3,895/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$128,000/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,998
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,795
−HK$1,823/mo
Today · 4.125%
HK$70,618
baseline
▲ 0.50% · 4.625%
HK$74,340
+HK$3,722/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$141,236/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,261
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,446
−HK$2,221/mo
Today · 4.125%
HK$74,667
baseline
▲ 0.50% · 4.625%
HK$79,210
+HK$4,543/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,334/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,165
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,261
−HK$2,127/mo
Today · 4.125%
HK$82,388
baseline
▲ 0.50% · 4.625%
HK$86,730
+HK$4,342/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,776/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,336
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,145
−HK$2,855/mo
Today · 4.125%
HK$96,000
baseline
▲ 0.50% · 4.625%
HK$101,842
+HK$5,842/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,000/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,497
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,193
−HK$2,734/mo
Today · 4.125%
HK$105,927
baseline
▲ 0.50% · 4.625%
HK$111,510
+HK$5,583/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,854/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,387 · Scale 2, in force from 26 Feb 2026)