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$91,190
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,026
−HK$2,882/mo
Today · 4.125%
HK$96,908
baseline
▲ 0.50% · 4.625%
HK$102,805
+HK$5,897/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,816/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,448
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,169
−HK$2,760/mo
Today · 4.125%
HK$106,929
baseline
▲ 0.50% · 4.625%
HK$112,565
+HK$5,636/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,858/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,428
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,832
−HK$3,458/mo
Today · 4.125%
HK$116,290
baseline
▲ 0.50% · 4.625%
HK$123,366
+HK$7,076/mo
Deposit HK$16.00M · loan HK$23.99M · min. income ≈ HK$232,580/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,737
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$125,002
−HK$3,313/mo
Today · 4.125%
HK$128,315
baseline
▲ 0.50% · 4.625%
HK$135,078
+HK$6,763/mo
Deposit HK$16.00M · loan HK$23.99M · min. income ≈ HK$256,630/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,666
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$131,637
−HK$4,035/mo
Today · 4.125%
HK$135,672
baseline
▲ 0.50% · 4.625%
HK$143,927
+HK$8,255/mo
Deposit HK$12.00M · loan HK$27.99M · min. income ≈ HK$271,344/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,027
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$145,836
−HK$3,864/mo
Today · 4.125%
HK$149,700
baseline
▲ 0.50% · 4.625%
HK$157,591
+HK$7,891/mo
Deposit HK$12.00M · loan HK$27.99M · min. income ≈ HK$299,400/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,142
−HK$10,293/mo
▼ 0.25% · 3.875%
HK$169,248
−HK$5,187/mo
Today · 4.125%
HK$174,435
baseline
▲ 0.50% · 4.625%
HK$185,049
+HK$10,614/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$348,870/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,606
−HK$9,866/mo
▼ 0.25% · 3.875%
HK$187,504
−HK$4,968/mo
Today · 4.125%
HK$192,472
baseline
▲ 0.50% · 4.625%
HK$202,617
+HK$10,145/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$384,944/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,622 · Scale 2, in force from 26 Feb 2026)