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$45,612
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,031
−HK$1,442/mo
Today · 4.125%
HK$48,473
baseline
▲ 0.50% · 4.625%
HK$51,422
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,946/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,743
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,104
−HK$1,381/mo
Today · 4.125%
HK$53,485
baseline
▲ 0.50% · 4.625%
HK$56,304
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,970/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,735
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,437
−HK$1,730/mo
Today · 4.125%
HK$58,167
baseline
▲ 0.50% · 4.625%
HK$61,707
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,334/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,892
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,525
−HK$1,657/mo
Today · 4.125%
HK$64,182
baseline
▲ 0.50% · 4.625%
HK$67,565
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,364/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,857
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,844
−HK$2,018/mo
Today · 4.125%
HK$67,862
baseline
▲ 0.50% · 4.625%
HK$71,991
+HK$4,129/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,724/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,041
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,946
−HK$1,933/mo
Today · 4.125%
HK$74,879
baseline
▲ 0.50% · 4.625%
HK$78,826
+HK$3,947/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,758/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,102
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,656
−HK$2,595/mo
Today · 4.125%
HK$87,251
baseline
▲ 0.50% · 4.625%
HK$92,560
+HK$5,309/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,502/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,338
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,788
−HK$2,485/mo
Today · 4.125%
HK$96,273
baseline
▲ 0.50% · 4.625%
HK$101,347
+HK$5,074/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,546/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,319 · Scale 2, in force from 26 Feb 2026)