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$45,623
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,042
−HK$1,442/mo
Today · 4.125%
HK$48,484
baseline
▲ 0.50% · 4.625%
HK$51,434
+HK$2,950/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,968/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,755
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,116
−HK$1,381/mo
Today · 4.125%
HK$53,497
baseline
▲ 0.50% · 4.625%
HK$56,317
+HK$2,820/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,994/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,747
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,450
−HK$1,731/mo
Today · 4.125%
HK$58,181
baseline
▲ 0.50% · 4.625%
HK$61,721
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,362/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,906
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,539
−HK$1,657/mo
Today · 4.125%
HK$64,196
baseline
▲ 0.50% · 4.625%
HK$67,580
+HK$3,384/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,392/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,872
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,859
−HK$2,018/mo
Today · 4.125%
HK$67,877
baseline
▲ 0.50% · 4.625%
HK$72,007
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,754/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,057
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,963
−HK$1,933/mo
Today · 4.125%
HK$74,896
baseline
▲ 0.50% · 4.625%
HK$78,844
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,792/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,121
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,675
−HK$2,596/mo
Today · 4.125%
HK$87,271
baseline
▲ 0.50% · 4.625%
HK$92,581
+HK$5,310/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,542/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,359
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,809
−HK$2,486/mo
Today · 4.125%
HK$96,295
baseline
▲ 0.50% · 4.625%
HK$101,371
+HK$5,076/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,590/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,776 · Scale 2, in force from 26 Feb 2026)