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$45,607
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,025
−HK$1,442/mo
Today · 4.125%
HK$48,467
baseline
▲ 0.50% · 4.625%
HK$51,416
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,934/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,737
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,098
−HK$1,380/mo
Today · 4.125%
HK$53,478
baseline
▲ 0.50% · 4.625%
HK$56,297
+HK$2,819/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,956/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$750,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,728
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,431
−HK$1,729/mo
Today · 4.125%
HK$58,160
baseline
▲ 0.50% · 4.625%
HK$61,699
+HK$3,539/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,320/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,885
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,517
−HK$1,657/mo
Today · 4.125%
HK$64,174
baseline
▲ 0.50% · 4.625%
HK$67,557
+HK$3,383/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,348/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$750,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,850
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,836
−HK$2,018/mo
Today · 4.125%
HK$67,854
baseline
▲ 0.50% · 4.625%
HK$71,982
+HK$4,128/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,708/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,032
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,937
−HK$1,933/mo
Today · 4.125%
HK$74,870
baseline
▲ 0.50% · 4.625%
HK$78,816
+HK$3,946/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,740/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$750,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,092
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,646
−HK$2,594/mo
Today · 4.125%
HK$87,240
baseline
▲ 0.50% · 4.625%
HK$92,549
+HK$5,309/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,480/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,327
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,776
−HK$2,485/mo
Today · 4.125%
HK$96,261
baseline
▲ 0.50% · 4.625%
HK$101,335
+HK$5,074/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,522/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$750,076 · Scale 2, in force from 26 Feb 2026)