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$45,599
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,017
−HK$1,441/mo
Today · 4.125%
HK$48,458
baseline
▲ 0.50% · 4.625%
HK$51,407
+HK$2,949/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$96,916/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,728
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,089
−HK$1,380/mo
Today · 4.125%
HK$53,469
baseline
▲ 0.50% · 4.625%
HK$56,287
+HK$2,818/mo
Deposit HK$10.00M · loan HK$10.00M · min. income ≈ HK$106,938/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$749,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,719
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,421
−HK$1,729/mo
Today · 4.125%
HK$58,150
baseline
▲ 0.50% · 4.625%
HK$61,688
+HK$3,538/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$116,300/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,874
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,506
−HK$1,657/mo
Today · 4.125%
HK$64,163
baseline
▲ 0.50% · 4.625%
HK$67,545
+HK$3,382/mo
Deposit HK$8.00M · loan HK$12.00M · min. income ≈ HK$128,326/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,838
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,824
−HK$2,018/mo
Today · 4.125%
HK$67,842
baseline
▲ 0.50% · 4.625%
HK$71,970
+HK$4,128/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$135,684/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,019
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,924
−HK$1,932/mo
Today · 4.125%
HK$74,856
baseline
▲ 0.50% · 4.625%
HK$78,802
+HK$3,946/mo
Deposit HK$6.00M · loan HK$14.00M · min. income ≈ HK$149,712/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,078
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,631
−HK$2,594/mo
Today · 4.125%
HK$87,225
baseline
▲ 0.50% · 4.625%
HK$92,532
+HK$5,307/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$174,450/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,311
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,760
−HK$2,484/mo
Today · 4.125%
HK$96,244
baseline
▲ 0.50% · 4.625%
HK$101,317
+HK$5,073/mo
Deposit HK$2.00M · loan HK$18.00M · min. income ≈ HK$192,488/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,896 · Scale 2, in force from 26 Feb 2026)