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$50,174
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,735
−HK$1,585/mo
Today · 4.125%
HK$53,320
baseline
▲ 0.50% · 4.625%
HK$56,565
+HK$3,245/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,640/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,818
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,315
−HK$1,519/mo
Today · 4.125%
HK$58,834
baseline
▲ 0.50% · 4.625%
HK$61,935
+HK$3,101/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,668/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,209
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,082
−HK$1,902/mo
Today · 4.125%
HK$63,984
baseline
▲ 0.50% · 4.625%
HK$67,878
+HK$3,894/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,968/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,982
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,778
−HK$1,822/mo
Today · 4.125%
HK$70,600
baseline
▲ 0.50% · 4.625%
HK$74,322
+HK$3,722/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,200/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,244
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,428
−HK$2,220/mo
Today · 4.125%
HK$74,648
baseline
▲ 0.50% · 4.625%
HK$79,191
+HK$4,543/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,296/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,145
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,241
−HK$2,126/mo
Today · 4.125%
HK$82,367
baseline
▲ 0.50% · 4.625%
HK$86,709
+HK$4,342/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,734/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,313
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,122
−HK$2,855/mo
Today · 4.125%
HK$95,977
baseline
▲ 0.50% · 4.625%
HK$101,816
+HK$5,839/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,954/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,472
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,167
−HK$2,734/mo
Today · 4.125%
HK$105,901
baseline
▲ 0.50% · 4.625%
HK$111,483
+HK$5,582/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,802/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,155 · Scale 2, in force from 26 Feb 2026)