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$91,195
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,031
−HK$2,882/mo
Today · 4.125%
HK$96,913
baseline
▲ 0.50% · 4.625%
HK$102,810
+HK$5,897/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,826/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,453
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,174
−HK$2,760/mo
Today · 4.125%
HK$106,934
baseline
▲ 0.50% · 4.625%
HK$112,571
+HK$5,637/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,868/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,434
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,838
−HK$3,458/mo
Today · 4.125%
HK$116,296
baseline
▲ 0.50% · 4.625%
HK$123,373
+HK$7,077/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$232,592/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,744
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$125,009
−HK$3,312/mo
Today · 4.125%
HK$128,321
baseline
▲ 0.50% · 4.625%
HK$135,085
+HK$6,764/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$256,642/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,673
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$131,644
−HK$4,035/mo
Today · 4.125%
HK$135,679
baseline
▲ 0.50% · 4.625%
HK$143,935
+HK$8,256/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$271,358/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,035
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$145,844
−HK$3,864/mo
Today · 4.125%
HK$149,708
baseline
▲ 0.50% · 4.625%
HK$157,600
+HK$7,892/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$299,416/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,151
−HK$10,293/mo
▼ 0.25% · 3.875%
HK$169,257
−HK$5,187/mo
Today · 4.125%
HK$174,444
baseline
▲ 0.50% · 4.625%
HK$185,059
+HK$10,615/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$348,888/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,616
−HK$9,866/mo
▼ 0.25% · 3.875%
HK$187,514
−HK$4,968/mo
Today · 4.125%
HK$192,482
baseline
▲ 0.50% · 4.625%
HK$202,628
+HK$10,146/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$384,964/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,712 · Scale 2, in force from 26 Feb 2026)