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$114,019
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,566
−HK$3,603/mo
Today · 4.125%
HK$121,169
baseline
▲ 0.50% · 4.625%
HK$128,542
+HK$7,373/mo
Deposit HK$25.00M · loan HK$25.00M · min. income ≈ HK$242,338/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,125,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,845
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$130,247
−HK$3,451/mo
Today · 4.125%
HK$133,698
baseline
▲ 0.50% · 4.625%
HK$140,746
+HK$7,048/mo
Deposit HK$25.00M · loan HK$25.00M · min. income ≈ HK$267,396/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,125,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,823
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$141,079
−HK$4,324/mo
Today · 4.125%
HK$145,403
baseline
▲ 0.50% · 4.625%
HK$154,251
+HK$8,848/mo
Deposit HK$20.00M · loan HK$30.00M · min. income ≈ HK$290,806/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,125,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,214
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$156,297
−HK$4,141/mo
Today · 4.125%
HK$160,438
baseline
▲ 0.50% · 4.625%
HK$168,895
+HK$8,457/mo
Deposit HK$20.00M · loan HK$30.00M · min. income ≈ HK$320,876/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,125,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,627
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,592
−HK$5,045/mo
Today · 4.125%
HK$169,637
baseline
▲ 0.50% · 4.625%
HK$179,959
+HK$10,322/mo
Deposit HK$15.00M · loan HK$35.00M · min. income ≈ HK$339,274/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,125,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,584
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$182,346
−HK$4,832/mo
Today · 4.125%
HK$187,178
baseline
▲ 0.50% · 4.625%
HK$197,044
+HK$9,866/mo
Deposit HK$15.00M · loan HK$35.00M · min. income ≈ HK$374,356/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,125,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,235
−HK$12,870/mo
▼ 0.25% · 3.875%
HK$211,619
−HK$6,486/mo
Today · 4.125%
HK$218,105
baseline
▲ 0.50% · 4.625%
HK$231,376
+HK$13,271/mo
Deposit HK$5.00M · loan HK$45.00M · min. income ≈ HK$436,210/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,125,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,322
−HK$12,335/mo
▼ 0.25% · 3.875%
HK$234,445
−HK$6,212/mo
Today · 4.125%
HK$240,657
baseline
▲ 0.50% · 4.625%
HK$253,343
+HK$12,686/mo
Deposit HK$5.00M · loan HK$45.00M · min. income ≈ HK$481,314/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,125,122 · Scale 2, in force from 26 Feb 2026)