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$91,188
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,024
−HK$2,882/mo
Today · 4.125%
HK$96,906
baseline
▲ 0.50% · 4.625%
HK$102,803
+HK$5,897/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,812/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$1,699,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,446
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,166
−HK$2,760/mo
Today · 4.125%
HK$106,926
baseline
▲ 0.50% · 4.625%
HK$112,563
+HK$5,637/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,852/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$1,699,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,425
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,829
−HK$3,458/mo
Today · 4.125%
HK$116,287
baseline
▲ 0.50% · 4.625%
HK$123,363
+HK$7,076/mo
Deposit HK$16.00M · loan HK$23.99M · min. income ≈ HK$232,574/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,735
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$125,000
−HK$3,312/mo
Today · 4.125%
HK$128,312
baseline
▲ 0.50% · 4.625%
HK$135,075
+HK$6,763/mo
Deposit HK$16.00M · loan HK$23.99M · min. income ≈ HK$256,624/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,663
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$131,634
−HK$4,035/mo
Today · 4.125%
HK$135,669
baseline
▲ 0.50% · 4.625%
HK$143,924
+HK$8,255/mo
Deposit HK$12.00M · loan HK$27.99M · min. income ≈ HK$271,338/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,024
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$145,833
−HK$3,864/mo
Today · 4.125%
HK$149,697
baseline
▲ 0.50% · 4.625%
HK$157,588
+HK$7,891/mo
Deposit HK$12.00M · loan HK$27.99M · min. income ≈ HK$299,394/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,138
−HK$10,293/mo
▼ 0.25% · 3.875%
HK$169,244
−HK$5,187/mo
Today · 4.125%
HK$174,431
baseline
▲ 0.50% · 4.625%
HK$185,045
+HK$10,614/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$348,862/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,602
−HK$9,866/mo
▼ 0.25% · 3.875%
HK$187,499
−HK$4,969/mo
Today · 4.125%
HK$192,468
baseline
▲ 0.50% · 4.625%
HK$202,613
+HK$10,145/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$384,936/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,583 · Scale 2, in force from 26 Feb 2026)