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$45,583
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$47,001
−HK$1,440/mo
Today · 4.125%
HK$48,441
baseline
▲ 0.50% · 4.625%
HK$51,389
+HK$2,948/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,882/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,710
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,070
−HK$1,380/mo
Today · 4.125%
HK$53,450
baseline
▲ 0.50% · 4.625%
HK$56,267
+HK$2,817/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,900/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,699
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,401
−HK$1,728/mo
Today · 4.125%
HK$58,129
baseline
▲ 0.50% · 4.625%
HK$61,666
+HK$3,537/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$116,258/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,852
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,484
−HK$1,656/mo
Today · 4.125%
HK$64,140
baseline
▲ 0.50% · 4.625%
HK$67,521
+HK$3,381/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$128,280/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,816
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,801
−HK$2,017/mo
Today · 4.125%
HK$67,818
baseline
▲ 0.50% · 4.625%
HK$71,944
+HK$4,126/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,636/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,994
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,898
−HK$1,932/mo
Today · 4.125%
HK$74,830
baseline
▲ 0.50% · 4.625%
HK$78,774
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,660/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,049
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,601
−HK$2,593/mo
Today · 4.125%
HK$87,194
baseline
▲ 0.50% · 4.625%
HK$92,500
+HK$5,306/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,388/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,278
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,727
−HK$2,483/mo
Today · 4.125%
HK$96,210
baseline
▲ 0.50% · 4.625%
HK$101,281
+HK$5,071/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,420/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,631 · Scale 2, in force from 26 Feb 2026)