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$91,226
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,064
−HK$2,883/mo
Today · 4.125%
HK$96,947
baseline
▲ 0.50% · 4.625%
HK$102,846
+HK$5,899/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,894/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,700,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,488
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,210
−HK$2,761/mo
Today · 4.125%
HK$106,971
baseline
▲ 0.50% · 4.625%
HK$112,610
+HK$5,639/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,942/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,700,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,472
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$112,877
−HK$3,459/mo
Today · 4.125%
HK$116,336
baseline
▲ 0.50% · 4.625%
HK$123,415
+HK$7,079/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$232,672/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,786
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,052
−HK$3,314/mo
Today · 4.125%
HK$128,366
baseline
▲ 0.50% · 4.625%
HK$135,132
+HK$6,766/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$256,732/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,717
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$131,689
−HK$4,037/mo
Today · 4.125%
HK$135,726
baseline
▲ 0.50% · 4.625%
HK$143,984
+HK$8,258/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$271,452/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,084
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,894
−HK$3,866/mo
Today · 4.125%
HK$149,760
baseline
▲ 0.50% · 4.625%
HK$157,654
+HK$7,894/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$299,520/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,207
−HK$10,297/mo
▼ 0.25% · 3.875%
HK$169,315
−HK$5,189/mo
Today · 4.125%
HK$174,504
baseline
▲ 0.50% · 4.625%
HK$185,123
+HK$10,619/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$349,008/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,679
−HK$9,869/mo
▼ 0.25% · 3.875%
HK$187,578
−HK$4,970/mo
Today · 4.125%
HK$192,548
baseline
▲ 0.50% · 4.625%
HK$202,698
+HK$10,150/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$385,096/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,299 · Scale 2, in force from 26 Feb 2026)