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$45,609
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,028
−HK$1,441/mo
Today · 4.125%
HK$48,469
baseline
▲ 0.50% · 4.625%
HK$51,418
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,938/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,740
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,101
−HK$1,380/mo
Today · 4.125%
HK$53,481
baseline
▲ 0.50% · 4.625%
HK$56,300
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,962/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,731
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,433
−HK$1,730/mo
Today · 4.125%
HK$58,163
baseline
▲ 0.50% · 4.625%
HK$61,702
+HK$3,539/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,326/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,888
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,521
−HK$1,656/mo
Today · 4.125%
HK$64,177
baseline
▲ 0.50% · 4.625%
HK$67,560
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,354/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,853
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,839
−HK$2,018/mo
Today · 4.125%
HK$67,857
baseline
▲ 0.50% · 4.625%
HK$71,986
+HK$4,129/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,714/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,036
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,941
−HK$1,932/mo
Today · 4.125%
HK$74,873
baseline
▲ 0.50% · 4.625%
HK$78,820
+HK$3,947/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,746/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,096
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,650
−HK$2,595/mo
Today · 4.125%
HK$87,245
baseline
▲ 0.50% · 4.625%
HK$92,553
+HK$5,308/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,490/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,331
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,781
−HK$2,485/mo
Today · 4.125%
HK$96,266
baseline
▲ 0.50% · 4.625%
HK$101,340
+HK$5,074/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,532/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,177 · Scale 2, in force from 26 Feb 2026)