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$45,613
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,032
−HK$1,442/mo
Today · 4.125%
HK$48,474
baseline
▲ 0.50% · 4.625%
HK$51,423
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,948/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,744
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,105
−HK$1,381/mo
Today · 4.125%
HK$53,486
baseline
▲ 0.50% · 4.625%
HK$56,305
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,972/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,736
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,438
−HK$1,730/mo
Today · 4.125%
HK$58,168
baseline
▲ 0.50% · 4.625%
HK$61,708
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,336/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,893
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,526
−HK$1,657/mo
Today · 4.125%
HK$64,183
baseline
▲ 0.50% · 4.625%
HK$67,566
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,366/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,859
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,845
−HK$2,018/mo
Today · 4.125%
HK$67,863
baseline
▲ 0.50% · 4.625%
HK$71,992
+HK$4,129/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,726/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,042
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,947
−HK$1,933/mo
Today · 4.125%
HK$74,880
baseline
▲ 0.50% · 4.625%
HK$78,827
+HK$3,947/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,760/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,104
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,658
−HK$2,594/mo
Today · 4.125%
HK$87,252
baseline
▲ 0.50% · 4.625%
HK$92,562
+HK$5,310/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,504/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,340
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,789
−HK$2,485/mo
Today · 4.125%
HK$96,274
baseline
▲ 0.50% · 4.625%
HK$101,349
+HK$5,075/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,548/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,356 · Scale 2, in force from 26 Feb 2026)