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$45,619
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,038
−HK$1,442/mo
Today · 4.125%
HK$48,480
baseline
▲ 0.50% · 4.625%
HK$51,430
+HK$2,950/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,960/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,751
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,112
−HK$1,381/mo
Today · 4.125%
HK$53,493
baseline
▲ 0.50% · 4.625%
HK$56,312
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,986/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,743
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,446
−HK$1,730/mo
Today · 4.125%
HK$58,176
baseline
▲ 0.50% · 4.625%
HK$61,716
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,352/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,901
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,534
−HK$1,657/mo
Today · 4.125%
HK$64,191
baseline
▲ 0.50% · 4.625%
HK$67,575
+HK$3,384/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,382/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,867
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,853
−HK$2,019/mo
Today · 4.125%
HK$67,872
baseline
▲ 0.50% · 4.625%
HK$72,002
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,744/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,051
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,957
−HK$1,933/mo
Today · 4.125%
HK$74,890
baseline
▲ 0.50% · 4.625%
HK$78,837
+HK$3,947/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,780/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,115
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,669
−HK$2,595/mo
Today · 4.125%
HK$87,264
baseline
▲ 0.50% · 4.625%
HK$92,574
+HK$5,310/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,528/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,352
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,802
−HK$2,485/mo
Today · 4.125%
HK$96,287
baseline
▲ 0.50% · 4.625%
HK$101,362
+HK$5,075/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,574/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,616 · Scale 2, in force from 26 Feb 2026)