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$45,601
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,019
−HK$1,441/mo
Today · 4.125%
HK$48,460
baseline
▲ 0.50% · 4.625%
HK$51,409
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,920/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,730
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,091
−HK$1,380/mo
Today · 4.125%
HK$53,471
baseline
▲ 0.50% · 4.625%
HK$56,290
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,942/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,721
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,423
−HK$1,729/mo
Today · 4.125%
HK$58,152
baseline
▲ 0.50% · 4.625%
HK$61,691
+HK$3,539/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,304/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,876
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,509
−HK$1,656/mo
Today · 4.125%
HK$64,165
baseline
▲ 0.50% · 4.625%
HK$67,547
+HK$3,382/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,330/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,841
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,827
−HK$2,017/mo
Today · 4.125%
HK$67,844
baseline
▲ 0.50% · 4.625%
HK$71,972
+HK$4,128/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,688/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,022
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,927
−HK$1,932/mo
Today · 4.125%
HK$74,859
baseline
▲ 0.50% · 4.625%
HK$78,805
+HK$3,946/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,718/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,081
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,634
−HK$2,594/mo
Today · 4.125%
HK$87,228
baseline
▲ 0.50% · 4.625%
HK$92,536
+HK$5,308/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,456/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,314
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,763
−HK$2,485/mo
Today · 4.125%
HK$96,248
baseline
▲ 0.50% · 4.625%
HK$101,321
+HK$5,073/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,496/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,926 · Scale 2, in force from 26 Feb 2026)