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$45,590
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$47,008
−HK$1,440/mo
Today · 4.125%
HK$48,448
baseline
▲ 0.50% · 4.625%
HK$51,396
+HK$2,948/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,896/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,718
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,078
−HK$1,380/mo
Today · 4.125%
HK$53,458
baseline
▲ 0.50% · 4.625%
HK$56,276
+HK$2,818/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,916/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,707
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,409
−HK$1,729/mo
Today · 4.125%
HK$58,138
baseline
▲ 0.50% · 4.625%
HK$61,676
+HK$3,538/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,276/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,862
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,494
−HK$1,656/mo
Today · 4.125%
HK$64,150
baseline
▲ 0.50% · 4.625%
HK$67,531
+HK$3,381/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,300/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,825
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,811
−HK$2,017/mo
Today · 4.125%
HK$67,828
baseline
▲ 0.50% · 4.625%
HK$71,955
+HK$4,127/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,656/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,005
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,909
−HK$1,932/mo
Today · 4.125%
HK$74,841
baseline
▲ 0.50% · 4.625%
HK$78,786
+HK$3,945/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,682/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,061
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,614
−HK$2,593/mo
Today · 4.125%
HK$87,207
baseline
▲ 0.50% · 4.625%
HK$92,514
+HK$5,307/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,414/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,292
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,741
−HK$2,483/mo
Today · 4.125%
HK$96,224
baseline
▲ 0.50% · 4.625%
HK$101,297
+HK$5,073/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,448/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,744 · Scale 2, in force from 26 Feb 2026)