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$45,624
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,043
−HK$1,442/mo
Today · 4.125%
HK$48,485
baseline
▲ 0.50% · 4.625%
HK$51,436
+HK$2,951/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,970/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$750,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,757
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,118
−HK$1,381/mo
Today · 4.125%
HK$53,499
baseline
▲ 0.50% · 4.625%
HK$56,319
+HK$2,820/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,998/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$750,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,749
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,452
−HK$1,730/mo
Today · 4.125%
HK$58,182
baseline
▲ 0.50% · 4.625%
HK$61,723
+HK$3,541/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$116,364/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,908
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,541
−HK$1,658/mo
Today · 4.125%
HK$64,199
baseline
▲ 0.50% · 4.625%
HK$67,583
+HK$3,384/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$128,398/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,874
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,861
−HK$2,019/mo
Today · 4.125%
HK$67,880
baseline
▲ 0.50% · 4.625%
HK$72,010
+HK$4,130/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,760/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,059
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,965
−HK$1,933/mo
Today · 4.125%
HK$74,898
baseline
▲ 0.50% · 4.625%
HK$78,846
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,796/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,124
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,678
−HK$2,596/mo
Today · 4.125%
HK$87,274
baseline
▲ 0.50% · 4.625%
HK$92,584
+HK$5,310/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,548/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,362
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,812
−HK$2,486/mo
Today · 4.125%
HK$96,298
baseline
▲ 0.50% · 4.625%
HK$101,374
+HK$5,076/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,596/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,842 · Scale 2, in force from 26 Feb 2026)