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$45,601
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,019
−HK$1,442/mo
Today · 4.125%
HK$48,461
baseline
▲ 0.50% · 4.625%
HK$51,409
+HK$2,948/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,922/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,731
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,091
−HK$1,380/mo
Today · 4.125%
HK$53,471
baseline
▲ 0.50% · 4.625%
HK$56,290
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,942/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,721
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,423
−HK$1,730/mo
Today · 4.125%
HK$58,153
baseline
▲ 0.50% · 4.625%
HK$61,691
+HK$3,538/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,306/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,877
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,509
−HK$1,657/mo
Today · 4.125%
HK$64,166
baseline
▲ 0.50% · 4.625%
HK$67,548
+HK$3,382/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,332/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,841
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,827
−HK$2,018/mo
Today · 4.125%
HK$67,845
baseline
▲ 0.50% · 4.625%
HK$71,973
+HK$4,128/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,690/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,023
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,928
−HK$1,932/mo
Today · 4.125%
HK$74,860
baseline
▲ 0.50% · 4.625%
HK$78,806
+HK$3,946/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,720/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,082
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,635
−HK$2,594/mo
Today · 4.125%
HK$87,229
baseline
▲ 0.50% · 4.625%
HK$92,537
+HK$5,308/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,458/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,315
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,764
−HK$2,485/mo
Today · 4.125%
HK$96,249
baseline
▲ 0.50% · 4.625%
HK$101,322
+HK$5,073/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,498/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,932 · Scale 2, in force from 26 Feb 2026)