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$45,603
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,021
−HK$1,442/mo
Today · 4.125%
HK$48,463
baseline
▲ 0.50% · 4.625%
HK$51,411
+HK$2,948/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,926/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,733
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,093
−HK$1,381/mo
Today · 4.125%
HK$53,474
baseline
▲ 0.50% · 4.625%
HK$56,292
+HK$2,818/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,948/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,723
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,426
−HK$1,729/mo
Today · 4.125%
HK$58,155
baseline
▲ 0.50% · 4.625%
HK$61,694
+HK$3,539/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,310/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,879
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,512
−HK$1,656/mo
Today · 4.125%
HK$64,168
baseline
▲ 0.50% · 4.625%
HK$67,551
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,336/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,844
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,830
−HK$2,018/mo
Today · 4.125%
HK$67,848
baseline
▲ 0.50% · 4.625%
HK$71,976
+HK$4,128/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,696/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,026
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,931
−HK$1,932/mo
Today · 4.125%
HK$74,863
baseline
▲ 0.50% · 4.625%
HK$78,809
+HK$3,946/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,726/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,085
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,638
−HK$2,595/mo
Today · 4.125%
HK$87,233
baseline
▲ 0.50% · 4.625%
HK$92,540
+HK$5,307/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,466/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,319
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,768
−HK$2,485/mo
Today · 4.125%
HK$96,253
baseline
▲ 0.50% · 4.625%
HK$101,326
+HK$5,073/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,506/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,963 · Scale 2, in force from 26 Feb 2026)