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$45,618
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,037
−HK$1,442/mo
Today · 4.125%
HK$48,479
baseline
▲ 0.50% · 4.625%
HK$51,429
+HK$2,950/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,958/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,750
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,111
−HK$1,381/mo
Today · 4.125%
HK$53,492
baseline
▲ 0.50% · 4.625%
HK$56,311
+HK$2,819/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$750,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,742
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,445
−HK$1,730/mo
Today · 4.125%
HK$58,175
baseline
▲ 0.50% · 4.625%
HK$61,714
+HK$3,539/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$750,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,900
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,533
−HK$1,657/mo
Today · 4.125%
HK$64,190
baseline
▲ 0.50% · 4.625%
HK$67,573
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,380/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,865
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,852
−HK$2,018/mo
Today · 4.125%
HK$67,870
baseline
▲ 0.50% · 4.625%
HK$72,000
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,740/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,050
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,955
−HK$1,933/mo
Today · 4.125%
HK$74,888
baseline
▲ 0.50% · 4.625%
HK$78,836
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,776/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,113
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,667
−HK$2,595/mo
Today · 4.125%
HK$87,262
baseline
▲ 0.50% · 4.625%
HK$92,572
+HK$5,310/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,524/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,350
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,799
−HK$2,486/mo
Today · 4.125%
HK$96,285
baseline
▲ 0.50% · 4.625%
HK$101,360
+HK$5,075/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,570/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,572 · Scale 2, in force from 26 Feb 2026)