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$91,216
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,054
−HK$2,882/mo
Today · 4.125%
HK$96,936
baseline
▲ 0.50% · 4.625%
HK$102,835
+HK$5,899/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,872/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,700,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,477
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,199
−HK$2,761/mo
Today · 4.125%
HK$106,960
baseline
▲ 0.50% · 4.625%
HK$112,598
+HK$5,638/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,920/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,700,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,460
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$112,864
−HK$3,460/mo
Today · 4.125%
HK$116,324
baseline
▲ 0.50% · 4.625%
HK$123,402
+HK$7,078/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$232,648/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,773
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$125,039
−HK$3,313/mo
Today · 4.125%
HK$128,352
baseline
▲ 0.50% · 4.625%
HK$135,117
+HK$6,765/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$256,704/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,703
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,675
−HK$4,036/mo
Today · 4.125%
HK$135,711
baseline
▲ 0.50% · 4.625%
HK$143,969
+HK$8,258/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$271,422/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,068
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,878
−HK$3,866/mo
Today · 4.125%
HK$149,744
baseline
▲ 0.50% · 4.625%
HK$157,637
+HK$7,893/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$299,488/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,189
−HK$10,297/mo
▼ 0.25% · 3.875%
HK$169,297
−HK$5,189/mo
Today · 4.125%
HK$174,486
baseline
▲ 0.50% · 4.625%
HK$185,103
+HK$10,617/mo
Deposit HK$4.00M · loan HK$36.00M · min. income ≈ HK$348,972/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,659
−HK$9,869/mo
▼ 0.25% · 3.875%
HK$187,558
−HK$4,970/mo
Today · 4.125%
HK$192,528
baseline
▲ 0.50% · 4.625%
HK$202,676
+HK$10,148/mo
Deposit HK$4.00M · loan HK$36.00M · min. income ≈ HK$385,056/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,114 · Scale 2, in force from 26 Feb 2026)