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$45,584
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,002
−HK$1,441/mo
Today · 4.125%
HK$48,443
baseline
▲ 0.50% · 4.625%
HK$51,391
+HK$2,948/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,886/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,712
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,072
−HK$1,380/mo
Today · 4.125%
HK$53,452
baseline
▲ 0.50% · 4.625%
HK$56,269
+HK$2,817/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,904/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,701
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,403
−HK$1,728/mo
Today · 4.125%
HK$58,131
baseline
▲ 0.50% · 4.625%
HK$61,669
+HK$3,538/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$116,262/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,855
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,487
−HK$1,655/mo
Today · 4.125%
HK$64,142
baseline
▲ 0.50% · 4.625%
HK$67,523
+HK$3,381/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$128,284/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,818
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,803
−HK$2,017/mo
Today · 4.125%
HK$67,820
baseline
▲ 0.50% · 4.625%
HK$71,947
+HK$4,127/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,640/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,997
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,901
−HK$1,932/mo
Today · 4.125%
HK$74,833
baseline
▲ 0.50% · 4.625%
HK$78,777
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,666/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,052
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,604
−HK$2,593/mo
Today · 4.125%
HK$87,197
baseline
▲ 0.50% · 4.625%
HK$92,503
+HK$5,306/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,394/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,282
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,730
−HK$2,483/mo
Today · 4.125%
HK$96,213
baseline
▲ 0.50% · 4.625%
HK$101,285
+HK$5,072/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,426/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,659 · Scale 2, in force from 26 Feb 2026)