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$45,614
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,033
−HK$1,441/mo
Today · 4.125%
HK$48,474
baseline
▲ 0.50% · 4.625%
HK$51,424
+HK$2,950/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,948/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,745
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,106
−HK$1,381/mo
Today · 4.125%
HK$53,487
baseline
▲ 0.50% · 4.625%
HK$56,306
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,974/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,737
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,439
−HK$1,730/mo
Today · 4.125%
HK$58,169
baseline
▲ 0.50% · 4.625%
HK$61,709
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,338/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,894
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,527
−HK$1,657/mo
Today · 4.125%
HK$64,184
baseline
▲ 0.50% · 4.625%
HK$67,567
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,368/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,860
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,846
−HK$2,018/mo
Today · 4.125%
HK$67,864
baseline
▲ 0.50% · 4.625%
HK$71,994
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,728/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,043
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,949
−HK$1,932/mo
Today · 4.125%
HK$74,881
baseline
▲ 0.50% · 4.625%
HK$78,829
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,762/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,105
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,659
−HK$2,595/mo
Today · 4.125%
HK$87,254
baseline
▲ 0.50% · 4.625%
HK$92,563
+HK$5,309/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,508/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,341
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,791
−HK$2,485/mo
Today · 4.125%
HK$96,276
baseline
▲ 0.50% · 4.625%
HK$101,351
+HK$5,075/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,552/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,390 · Scale 2, in force from 26 Feb 2026)