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$45,622
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,041
−HK$1,442/mo
Today · 4.125%
HK$48,483
baseline
▲ 0.50% · 4.625%
HK$51,433
+HK$2,950/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,966/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,754
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,115
−HK$1,381/mo
Today · 4.125%
HK$53,496
baseline
▲ 0.50% · 4.625%
HK$56,316
+HK$2,820/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,992/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,746
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,449
−HK$1,730/mo
Today · 4.125%
HK$58,179
baseline
▲ 0.50% · 4.625%
HK$61,719
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,358/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,904
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,538
−HK$1,657/mo
Today · 4.125%
HK$64,195
baseline
▲ 0.50% · 4.625%
HK$67,579
+HK$3,384/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,390/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,870
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,857
−HK$2,019/mo
Today · 4.125%
HK$67,876
baseline
▲ 0.50% · 4.625%
HK$72,006
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,752/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,055
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,961
−HK$1,933/mo
Today · 4.125%
HK$74,894
baseline
▲ 0.50% · 4.625%
HK$78,842
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,788/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,119
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,674
−HK$2,595/mo
Today · 4.125%
HK$87,269
baseline
▲ 0.50% · 4.625%
HK$92,579
+HK$5,310/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,538/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,357
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,807
−HK$2,485/mo
Today · 4.125%
HK$96,292
baseline
▲ 0.50% · 4.625%
HK$101,368
+HK$5,076/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,584/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,729 · Scale 2, in force from 26 Feb 2026)