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$45,595
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,013
−HK$1,441/mo
Today · 4.125%
HK$48,454
baseline
▲ 0.50% · 4.625%
HK$51,402
+HK$2,948/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,908/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,724
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,084
−HK$1,380/mo
Today · 4.125%
HK$53,464
baseline
▲ 0.50% · 4.625%
HK$56,282
+HK$2,818/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,928/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,714
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,415
−HK$1,730/mo
Today · 4.125%
HK$58,145
baseline
▲ 0.50% · 4.625%
HK$61,683
+HK$3,538/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,290/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,868
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,501
−HK$1,656/mo
Today · 4.125%
HK$64,157
baseline
▲ 0.50% · 4.625%
HK$67,539
+HK$3,382/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,314/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,832
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,818
−HK$2,017/mo
Today · 4.125%
HK$67,835
baseline
▲ 0.50% · 4.625%
HK$71,963
+HK$4,128/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,670/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,013
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,918
−HK$1,932/mo
Today · 4.125%
HK$74,850
baseline
▲ 0.50% · 4.625%
HK$78,795
+HK$3,945/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,700/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,070
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,623
−HK$2,594/mo
Today · 4.125%
HK$87,217
baseline
▲ 0.50% · 4.625%
HK$92,524
+HK$5,307/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,434/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,302
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,751
−HK$2,484/mo
Today · 4.125%
HK$96,235
baseline
▲ 0.50% · 4.625%
HK$101,308
+HK$5,073/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,470/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,828 · Scale 2, in force from 26 Feb 2026)