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$91,221
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,058
−HK$2,883/mo
Today · 4.125%
HK$96,941
baseline
▲ 0.50% · 4.625%
HK$102,840
+HK$5,899/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,882/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,700,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,482
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,204
−HK$2,761/mo
Today · 4.125%
HK$106,965
baseline
▲ 0.50% · 4.625%
HK$112,603
+HK$5,638/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,930/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,700,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,465
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$112,870
−HK$3,459/mo
Today · 4.125%
HK$116,329
baseline
▲ 0.50% · 4.625%
HK$123,408
+HK$7,079/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$232,658/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,779
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$125,045
−HK$3,313/mo
Today · 4.125%
HK$128,358
baseline
▲ 0.50% · 4.625%
HK$135,124
+HK$6,766/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$256,716/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,709
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$131,681
−HK$4,037/mo
Today · 4.125%
HK$135,718
baseline
▲ 0.50% · 4.625%
HK$143,976
+HK$8,258/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$271,436/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,075
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,885
−HK$3,866/mo
Today · 4.125%
HK$149,751
baseline
▲ 0.50% · 4.625%
HK$157,644
+HK$7,893/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$299,502/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,197
−HK$10,297/mo
▼ 0.25% · 3.875%
HK$169,305
−HK$5,189/mo
Today · 4.125%
HK$174,494
baseline
▲ 0.50% · 4.625%
HK$185,111
+HK$10,617/mo
Deposit HK$4.00M · loan HK$36.00M · min. income ≈ HK$348,988/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,668
−HK$9,869/mo
▼ 0.25% · 3.875%
HK$187,567
−HK$4,970/mo
Today · 4.125%
HK$192,537
baseline
▲ 0.50% · 4.625%
HK$202,686
+HK$10,149/mo
Deposit HK$4.00M · loan HK$36.00M · min. income ≈ HK$385,074/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,196 · Scale 2, in force from 26 Feb 2026)