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$91,205
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,042
−HK$2,883/mo
Today · 4.125%
HK$96,925
baseline
▲ 0.50% · 4.625%
HK$102,822
+HK$5,897/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,850/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,465
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,186
−HK$2,761/mo
Today · 4.125%
HK$106,947
baseline
▲ 0.50% · 4.625%
HK$112,584
+HK$5,637/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,894/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,446
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$112,851
−HK$3,459/mo
Today · 4.125%
HK$116,310
baseline
▲ 0.50% · 4.625%
HK$123,387
+HK$7,077/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$232,620/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,758
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$125,024
−HK$3,312/mo
Today · 4.125%
HK$128,336
baseline
▲ 0.50% · 4.625%
HK$135,101
+HK$6,765/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$256,672/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,687
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,659
−HK$4,036/mo
Today · 4.125%
HK$135,695
baseline
▲ 0.50% · 4.625%
HK$143,951
+HK$8,256/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$271,390/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,051
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,861
−HK$3,865/mo
Today · 4.125%
HK$149,726
baseline
▲ 0.50% · 4.625%
HK$157,618
+HK$7,892/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$299,452/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,170
−HK$10,295/mo
▼ 0.25% · 3.875%
HK$169,276
−HK$5,189/mo
Today · 4.125%
HK$174,465
baseline
▲ 0.50% · 4.625%
HK$185,080
+HK$10,615/mo
Deposit HK$4.00M · loan HK$36.00M · min. income ≈ HK$348,930/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,637
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$187,535
−HK$4,969/mo
Today · 4.125%
HK$192,504
baseline
▲ 0.50% · 4.625%
HK$202,652
+HK$10,148/mo
Deposit HK$4.00M · loan HK$36.00M · min. income ≈ HK$385,008/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,909 · Scale 2, in force from 26 Feb 2026)