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$51,429
+HK$2,949/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$750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,751
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,112
−HK$1,380/mo
Today · 4.125%
HK$53,492
baseline
▲ 0.50% · 4.625%
HK$56,312
+HK$2,820/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,984/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,743
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,445
−HK$1,730/mo
Today · 4.125%
HK$58,175
baseline
▲ 0.50% · 4.625%
HK$61,715
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,350/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,602 · 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$67,574
+HK$3,383/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$750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,866
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,853
−HK$2,018/mo
Today · 4.125%
HK$67,871
baseline
▲ 0.50% · 4.625%
HK$72,001
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,742/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,051
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,956
−HK$1,933/mo
Today · 4.125%
HK$74,889
baseline
▲ 0.50% · 4.625%
HK$78,837
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,778/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,114
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,668
−HK$2,595/mo
Today · 4.125%
HK$87,263
baseline
▲ 0.50% · 4.625%
HK$92,573
+HK$5,310/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,526/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,351
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,801
−HK$2,485/mo
Today · 4.125%
HK$96,286
baseline
▲ 0.50% · 4.625%
HK$101,362
+HK$5,076/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,572/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,602 · Scale 2, in force from 26 Feb 2026)