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$2,861/mo
▼ 0.25% · 3.875%
HK$47,034
−HK$1,442/mo
Today · 4.125%
HK$48,476
baseline
▲ 0.50% · 4.625%
HK$51,426
+HK$2,950/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,952/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,747
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,108
−HK$1,380/mo
Today · 4.125%
HK$53,488
baseline
▲ 0.50% · 4.625%
HK$56,308
+HK$2,820/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$750,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,739
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,441
−HK$1,730/mo
Today · 4.125%
HK$58,171
baseline
▲ 0.50% · 4.625%
HK$61,711
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,342/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,896
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,529
−HK$1,657/mo
Today · 4.125%
HK$64,186
baseline
▲ 0.50% · 4.625%
HK$67,569
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,372/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,862
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,848
−HK$2,018/mo
Today · 4.125%
HK$67,866
baseline
▲ 0.50% · 4.625%
HK$71,996
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,732/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,045
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,951
−HK$1,933/mo
Today · 4.125%
HK$74,884
baseline
▲ 0.50% · 4.625%
HK$78,831
+HK$3,947/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,768/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,108
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,662
−HK$2,595/mo
Today · 4.125%
HK$87,257
baseline
▲ 0.50% · 4.625%
HK$92,566
+HK$5,309/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,514/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,344
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,794
−HK$2,485/mo
Today · 4.125%
HK$96,279
baseline
▲ 0.50% · 4.625%
HK$101,354
+HK$5,075/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,558/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,454 · Scale 2, in force from 26 Feb 2026)