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$45,617
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,036
−HK$1,441/mo
Today · 4.125%
HK$48,477
baseline
▲ 0.50% · 4.625%
HK$51,427
+HK$2,950/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,954/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,748
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,109
−HK$1,381/mo
Today · 4.125%
HK$53,490
baseline
▲ 0.50% · 4.625%
HK$56,310
+HK$2,820/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,980/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,740
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,443
−HK$1,730/mo
Today · 4.125%
HK$58,173
baseline
▲ 0.50% · 4.625%
HK$61,713
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,346/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,898
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,531
−HK$1,657/mo
Today · 4.125%
HK$64,188
baseline
▲ 0.50% · 4.625%
HK$67,572
+HK$3,384/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,376/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,864
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,850
−HK$2,018/mo
Today · 4.125%
HK$67,868
baseline
▲ 0.50% · 4.625%
HK$71,998
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,736/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,048
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,953
−HK$1,933/mo
Today · 4.125%
HK$74,886
baseline
▲ 0.50% · 4.625%
HK$78,834
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,772/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,110
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,665
−HK$2,594/mo
Today · 4.125%
HK$87,259
baseline
▲ 0.50% · 4.625%
HK$92,569
+HK$5,310/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,518/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,347
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,797
−HK$2,485/mo
Today · 4.125%
HK$96,282
baseline
▲ 0.50% · 4.625%
HK$101,357
+HK$5,075/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,564/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,517 · Scale 2, in force from 26 Feb 2026)