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$2,859/mo
▼ 0.25% · 3.875%
HK$47,001
−HK$1,441/mo
Today · 4.125%
HK$48,442
baseline
▲ 0.50% · 4.625%
HK$51,389
+HK$2,947/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,884/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,711
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,071
−HK$1,380/mo
Today · 4.125%
HK$53,451
baseline
▲ 0.50% · 4.625%
HK$56,268
+HK$2,817/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,902/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,700
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,401
−HK$1,729/mo
Today · 4.125%
HK$58,130
baseline
▲ 0.50% · 4.625%
HK$61,667
+HK$3,537/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$116,260/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,853
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,485
−HK$1,656/mo
Today · 4.125%
HK$64,141
baseline
▲ 0.50% · 4.625%
HK$67,522
+HK$3,381/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$128,282/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,816
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,802
−HK$2,016/mo
Today · 4.125%
HK$67,818
baseline
▲ 0.50% · 4.625%
HK$71,945
+HK$4,127/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$749,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,995
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,899
−HK$1,932/mo
Today · 4.125%
HK$74,831
baseline
▲ 0.50% · 4.625%
HK$78,775
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,662/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,050
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,602
−HK$2,593/mo
Today · 4.125%
HK$87,195
baseline
▲ 0.50% · 4.625%
HK$92,501
+HK$5,306/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,390/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,279
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,728
−HK$2,483/mo
Today · 4.125%
HK$96,211
baseline
▲ 0.50% · 4.625%
HK$101,282
+HK$5,071/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,422/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,640 · Scale 2, in force from 26 Feb 2026)