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$45,602
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,020
−HK$1,441/mo
Today · 4.125%
HK$48,461
baseline
▲ 0.50% · 4.625%
HK$51,410
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,922/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,731
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,092
−HK$1,380/mo
Today · 4.125%
HK$53,472
baseline
▲ 0.50% · 4.625%
HK$56,291
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,944/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,722
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,424
−HK$1,729/mo
Today · 4.125%
HK$58,153
baseline
▲ 0.50% · 4.625%
HK$61,692
+HK$3,539/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,306/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,878
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,510
−HK$1,657/mo
Today · 4.125%
HK$64,167
baseline
▲ 0.50% · 4.625%
HK$67,549
+HK$3,382/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,334/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,842
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,828
−HK$2,018/mo
Today · 4.125%
HK$67,846
baseline
▲ 0.50% · 4.625%
HK$71,974
+HK$4,128/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,692/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,024
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,929
−HK$1,932/mo
Today · 4.125%
HK$74,861
baseline
▲ 0.50% · 4.625%
HK$78,807
+HK$3,946/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,722/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,083
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,636
−HK$2,594/mo
Today · 4.125%
HK$87,230
baseline
▲ 0.50% · 4.625%
HK$92,538
+HK$5,308/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,460/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,316
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,765
−HK$2,485/mo
Today · 4.125%
HK$96,250
baseline
▲ 0.50% · 4.625%
HK$101,323
+HK$5,073/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,500/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,942 · Scale 2, in force from 26 Feb 2026)