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$114,015
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,562
−HK$3,603/mo
Today · 4.125%
HK$121,165
baseline
▲ 0.50% · 4.625%
HK$128,538
+HK$7,373/mo
Deposit HK$25.00M · loan HK$25.00M · min. income ≈ HK$242,330/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,125,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,841
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$130,243
−HK$3,451/mo
Today · 4.125%
HK$133,694
baseline
▲ 0.50% · 4.625%
HK$140,741
+HK$7,047/mo
Deposit HK$25.00M · loan HK$25.00M · min. income ≈ HK$267,388/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,125,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,818
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$141,074
−HK$4,324/mo
Today · 4.125%
HK$145,398
baseline
▲ 0.50% · 4.625%
HK$154,245
+HK$8,847/mo
Deposit HK$20.00M · loan HK$30.00M · min. income ≈ HK$290,796/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,125,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,209
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$156,291
−HK$4,141/mo
Today · 4.125%
HK$160,432
baseline
▲ 0.50% · 4.625%
HK$168,889
+HK$8,457/mo
Deposit HK$20.00M · loan HK$30.00M · min. income ≈ HK$320,864/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,125,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,621
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,586
−HK$5,045/mo
Today · 4.125%
HK$169,631
baseline
▲ 0.50% · 4.625%
HK$179,953
+HK$10,322/mo
Deposit HK$15.00M · loan HK$35.00M · min. income ≈ HK$339,262/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,125,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,577
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$182,340
−HK$4,831/mo
Today · 4.125%
HK$187,171
baseline
▲ 0.50% · 4.625%
HK$197,037
+HK$9,866/mo
Deposit HK$15.00M · loan HK$35.00M · min. income ≈ HK$374,342/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,125,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,227
−HK$12,870/mo
▼ 0.25% · 3.875%
HK$211,611
−HK$6,486/mo
Today · 4.125%
HK$218,097
baseline
▲ 0.50% · 4.625%
HK$231,368
+HK$13,271/mo
Deposit HK$5.00M · loan HK$45.00M · min. income ≈ HK$436,194/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,125,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,313
−HK$12,335/mo
▼ 0.25% · 3.875%
HK$234,437
−HK$6,211/mo
Today · 4.125%
HK$240,648
baseline
▲ 0.50% · 4.625%
HK$253,333
+HK$12,685/mo
Deposit HK$5.00M · loan HK$45.00M · min. income ≈ HK$481,296/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,125,045 · Scale 2, in force from 26 Feb 2026)