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$45,605
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,023
−HK$1,442/mo
Today · 4.125%
HK$48,465
baseline
▲ 0.50% · 4.625%
HK$51,414
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,930/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,735
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,096
−HK$1,380/mo
Today · 4.125%
HK$53,476
baseline
▲ 0.50% · 4.625%
HK$56,295
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,952/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,726
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,428
−HK$1,730/mo
Today · 4.125%
HK$58,158
baseline
▲ 0.50% · 4.625%
HK$61,696
+HK$3,538/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,316/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,882
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,515
−HK$1,656/mo
Today · 4.125%
HK$64,171
baseline
▲ 0.50% · 4.625%
HK$67,554
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,342/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,847
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,833
−HK$2,017/mo
Today · 4.125%
HK$67,850
baseline
▲ 0.50% · 4.625%
HK$71,979
+HK$4,129/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,700/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,029
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,934
−HK$1,932/mo
Today · 4.125%
HK$74,866
baseline
▲ 0.50% · 4.625%
HK$78,813
+HK$3,947/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,732/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,089
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,642
−HK$2,594/mo
Today · 4.125%
HK$87,236
baseline
▲ 0.50% · 4.625%
HK$92,544
+HK$5,308/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,472/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,323
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,772
−HK$2,485/mo
Today · 4.125%
HK$96,257
baseline
▲ 0.50% · 4.625%
HK$101,330
+HK$5,073/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,514/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,995 · Scale 2, in force from 26 Feb 2026)