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$91,233
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,071
−HK$2,883/mo
Today · 4.125%
HK$96,954
baseline
▲ 0.50% · 4.625%
HK$102,853
+HK$5,899/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,908/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,495
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,217
−HK$2,762/mo
Today · 4.125%
HK$106,979
baseline
▲ 0.50% · 4.625%
HK$112,618
+HK$5,639/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,958/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,479
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$112,885
−HK$3,460/mo
Today · 4.125%
HK$116,345
baseline
▲ 0.50% · 4.625%
HK$123,424
+HK$7,079/mo
Deposit HK$16.00M · loan HK$24.01M · min. income ≈ HK$232,690/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,795
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,061
−HK$3,314/mo
Today · 4.125%
HK$128,375
baseline
▲ 0.50% · 4.625%
HK$135,142
+HK$6,767/mo
Deposit HK$16.00M · loan HK$24.01M · min. income ≈ HK$256,750/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,726
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$131,699
−HK$4,036/mo
Today · 4.125%
HK$135,735
baseline
▲ 0.50% · 4.625%
HK$143,994
+HK$8,259/mo
Deposit HK$12.00M · loan HK$28.01M · min. income ≈ HK$271,470/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,094
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,904
−HK$3,866/mo
Today · 4.125%
HK$149,770
baseline
▲ 0.50% · 4.625%
HK$157,665
+HK$7,895/mo
Deposit HK$12.00M · loan HK$28.01M · min. income ≈ HK$299,540/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,219
−HK$10,298/mo
▼ 0.25% · 3.875%
HK$169,327
−HK$5,190/mo
Today · 4.125%
HK$174,517
baseline
▲ 0.50% · 4.625%
HK$185,136
+HK$10,619/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$349,034/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,692
−HK$9,870/mo
▼ 0.25% · 3.875%
HK$187,591
−HK$4,971/mo
Today · 4.125%
HK$192,562
baseline
▲ 0.50% · 4.625%
HK$202,712
+HK$10,150/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$385,124/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,418 · Scale 2, in force from 26 Feb 2026)