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$45,585
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,003
−HK$1,441/mo
Today · 4.125%
HK$48,444
baseline
▲ 0.50% · 4.625%
HK$51,392
+HK$2,948/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,888/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,713
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,073
−HK$1,380/mo
Today · 4.125%
HK$53,453
baseline
▲ 0.50% · 4.625%
HK$56,271
+HK$2,818/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,906/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,703
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,404
−HK$1,729/mo
Today · 4.125%
HK$58,133
baseline
▲ 0.50% · 4.625%
HK$61,670
+HK$3,537/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$116,266/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,856
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,488
−HK$1,656/mo
Today · 4.125%
HK$64,144
baseline
▲ 0.50% · 4.625%
HK$67,525
+HK$3,381/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$128,288/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,820
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,805
−HK$2,017/mo
Today · 4.125%
HK$67,822
baseline
▲ 0.50% · 4.625%
HK$71,949
+HK$4,127/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,644/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,999
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,903
−HK$1,932/mo
Today · 4.125%
HK$74,835
baseline
▲ 0.50% · 4.625%
HK$78,779
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,670/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,054
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,606
−HK$2,593/mo
Today · 4.125%
HK$87,199
baseline
▲ 0.50% · 4.625%
HK$92,505
+HK$5,306/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,398/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,284
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,732
−HK$2,484/mo
Today · 4.125%
HK$96,216
baseline
▲ 0.50% · 4.625%
HK$101,288
+HK$5,072/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,432/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,677 · Scale 2, in force from 26 Feb 2026)