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$45,600
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,018
−HK$1,441/mo
Today · 4.125%
HK$48,459
baseline
▲ 0.50% · 4.625%
HK$51,408
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,918/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,729
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,090
−HK$1,380/mo
Today · 4.125%
HK$53,470
baseline
▲ 0.50% · 4.625%
HK$56,288
+HK$2,818/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,940/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,719
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,422
−HK$1,729/mo
Today · 4.125%
HK$58,151
baseline
▲ 0.50% · 4.625%
HK$61,689
+HK$3,538/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,302/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,875
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,507
−HK$1,657/mo
Today · 4.125%
HK$64,164
baseline
▲ 0.50% · 4.625%
HK$67,546
+HK$3,382/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,328/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,839
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,825
−HK$2,018/mo
Today · 4.125%
HK$67,843
baseline
▲ 0.50% · 4.625%
HK$71,971
+HK$4,128/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,686/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,021
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,925
−HK$1,933/mo
Today · 4.125%
HK$74,858
baseline
▲ 0.50% · 4.625%
HK$78,804
+HK$3,946/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,716/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,079
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,632
−HK$2,594/mo
Today · 4.125%
HK$87,226
baseline
▲ 0.50% · 4.625%
HK$92,534
+HK$5,308/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,452/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,312
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,761
−HK$2,485/mo
Today · 4.125%
HK$96,246
baseline
▲ 0.50% · 4.625%
HK$101,319
+HK$5,073/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,492/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,909 · Scale 2, in force from 26 Feb 2026)