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$45,628
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,047
−HK$1,442/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,439
+HK$2,950/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$750,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,760
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,122
−HK$1,381/mo
Today · 4.125%
HK$53,503
baseline
▲ 0.50% · 4.625%
HK$56,323
+HK$2,820/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$107,006/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$750,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,753
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,456
−HK$1,731/mo
Today · 4.125%
HK$58,187
baseline
▲ 0.50% · 4.625%
HK$61,727
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$116,374/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,912
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,546
−HK$1,657/mo
Today · 4.125%
HK$64,203
baseline
▲ 0.50% · 4.625%
HK$67,588
+HK$3,385/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$128,406/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,879
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,866
−HK$2,018/mo
Today · 4.125%
HK$67,884
baseline
▲ 0.50% · 4.625%
HK$72,015
+HK$4,131/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,768/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,064
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,970
−HK$1,934/mo
Today · 4.125%
HK$74,904
baseline
▲ 0.50% · 4.625%
HK$78,852
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,808/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,130
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,685
−HK$2,595/mo
Today · 4.125%
HK$87,280
baseline
▲ 0.50% · 4.625%
HK$92,591
+HK$5,311/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,560/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,369
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,819
−HK$2,486/mo
Today · 4.125%
HK$96,305
baseline
▲ 0.50% · 4.625%
HK$101,381
+HK$5,076/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,610/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,989 · Scale 2, in force from 26 Feb 2026)