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$91,229
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,067
−HK$2,883/mo
Today · 4.125%
HK$96,950
baseline
▲ 0.50% · 4.625%
HK$102,849
+HK$5,899/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,900/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,700,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,492
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,214
−HK$2,761/mo
Today · 4.125%
HK$106,975
baseline
▲ 0.50% · 4.625%
HK$112,614
+HK$5,639/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,950/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,700,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,475
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$112,880
−HK$3,460/mo
Today · 4.125%
HK$116,340
baseline
▲ 0.50% · 4.625%
HK$123,419
+HK$7,079/mo
Deposit HK$16.00M · loan HK$24.01M · min. income ≈ HK$232,680/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,790
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,056
−HK$3,314/mo
Today · 4.125%
HK$128,370
baseline
▲ 0.50% · 4.625%
HK$135,136
+HK$6,766/mo
Deposit HK$16.00M · loan HK$24.01M · min. income ≈ HK$256,740/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,700,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,721
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$131,694
−HK$4,036/mo
Today · 4.125%
HK$135,730
baseline
▲ 0.50% · 4.625%
HK$143,989
+HK$8,259/mo
Deposit HK$12.00M · loan HK$28.01M · min. income ≈ HK$271,460/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,088
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$145,899
−HK$3,866/mo
Today · 4.125%
HK$149,765
baseline
▲ 0.50% · 4.625%
HK$157,659
+HK$7,894/mo
Deposit HK$12.00M · loan HK$28.01M · min. income ≈ HK$299,530/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,213
−HK$10,297/mo
▼ 0.25% · 3.875%
HK$169,321
−HK$5,189/mo
Today · 4.125%
HK$174,510
baseline
▲ 0.50% · 4.625%
HK$185,129
+HK$10,619/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$349,020/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,685
−HK$9,870/mo
▼ 0.25% · 3.875%
HK$187,584
−HK$4,971/mo
Today · 4.125%
HK$192,555
baseline
▲ 0.50% · 4.625%
HK$202,705
+HK$10,150/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$385,110/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,355 · Scale 2, in force from 26 Feb 2026)