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$45,615
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,034
−HK$1,441/mo
Today · 4.125%
HK$48,475
baseline
▲ 0.50% · 4.625%
HK$51,425
+HK$2,950/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,950/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,746
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,107
−HK$1,381/mo
Today · 4.125%
HK$53,488
baseline
▲ 0.50% · 4.625%
HK$56,307
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,976/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,738
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,440
−HK$1,730/mo
Today · 4.125%
HK$58,170
baseline
▲ 0.50% · 4.625%
HK$61,710
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,340/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,895
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,528
−HK$1,657/mo
Today · 4.125%
HK$64,185
baseline
▲ 0.50% · 4.625%
HK$67,568
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,370/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,861
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,847
−HK$2,018/mo
Today · 4.125%
HK$67,865
baseline
▲ 0.50% · 4.625%
HK$71,995
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,730/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,044
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,950
−HK$1,933/mo
Today · 4.125%
HK$74,883
baseline
▲ 0.50% · 4.625%
HK$78,830
+HK$3,947/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,766/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,107
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,661
−HK$2,594/mo
Today · 4.125%
HK$87,255
baseline
▲ 0.50% · 4.625%
HK$92,565
+HK$5,310/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,510/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,343
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,792
−HK$2,486/mo
Today · 4.125%
HK$96,278
baseline
▲ 0.50% · 4.625%
HK$101,353
+HK$5,075/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,556/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,422 · Scale 2, in force from 26 Feb 2026)