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$45,602
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,021
−HK$1,441/mo
Today · 4.125%
HK$48,462
baseline
▲ 0.50% · 4.625%
HK$51,411
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,924/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,732
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,093
−HK$1,380/mo
Today · 4.125%
HK$53,473
baseline
▲ 0.50% · 4.625%
HK$56,291
+HK$2,818/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,946/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,723
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,425
−HK$1,729/mo
Today · 4.125%
HK$58,154
baseline
▲ 0.50% · 4.625%
HK$61,693
+HK$3,539/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,308/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,878
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,511
−HK$1,656/mo
Today · 4.125%
HK$64,167
baseline
▲ 0.50% · 4.625%
HK$67,550
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,334/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,843
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,829
−HK$2,018/mo
Today · 4.125%
HK$67,847
baseline
▲ 0.50% · 4.625%
HK$71,975
+HK$4,128/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,694/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,025
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,930
−HK$1,932/mo
Today · 4.125%
HK$74,862
baseline
▲ 0.50% · 4.625%
HK$78,808
+HK$3,946/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,724/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,084
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,637
−HK$2,594/mo
Today · 4.125%
HK$87,231
baseline
▲ 0.50% · 4.625%
HK$92,539
+HK$5,308/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,462/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,317
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,767
−HK$2,484/mo
Today · 4.125%
HK$96,251
baseline
▲ 0.50% · 4.625%
HK$101,325
+HK$5,074/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,502/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,951 · Scale 2, in force from 26 Feb 2026)