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$45,593
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,012
−HK$1,441/mo
Today · 4.125%
HK$48,453
baseline
▲ 0.50% · 4.625%
HK$51,401
+HK$2,948/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,906/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,722
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,083
−HK$1,380/mo
Today · 4.125%
HK$53,463
baseline
▲ 0.50% · 4.625%
HK$56,281
+HK$2,818/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,926/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,712
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,414
−HK$1,729/mo
Today · 4.125%
HK$58,143
baseline
▲ 0.50% · 4.625%
HK$61,681
+HK$3,538/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,286/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,867
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,499
−HK$1,656/mo
Today · 4.125%
HK$64,155
baseline
▲ 0.50% · 4.625%
HK$67,537
+HK$3,382/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,310/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,831
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,816
−HK$2,018/mo
Today · 4.125%
HK$67,834
baseline
▲ 0.50% · 4.625%
HK$71,961
+HK$4,127/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,668/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,011
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,916
−HK$1,932/mo
Today · 4.125%
HK$74,848
baseline
▲ 0.50% · 4.625%
HK$78,793
+HK$3,945/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,696/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,068
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,621
−HK$2,594/mo
Today · 4.125%
HK$87,215
baseline
▲ 0.50% · 4.625%
HK$92,521
+HK$5,306/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,430/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,300
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,749
−HK$2,484/mo
Today · 4.125%
HK$96,233
baseline
▲ 0.50% · 4.625%
HK$101,305
+HK$5,072/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,466/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,808 · Scale 2, in force from 26 Feb 2026)