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$114,014
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,560
−HK$3,604/mo
Today · 4.125%
HK$121,164
baseline
▲ 0.50% · 4.625%
HK$128,536
+HK$7,372/mo
Deposit HK$25.00M · loan HK$25.00M · min. income ≈ HK$242,328/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,125,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,839
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$130,241
−HK$3,451/mo
Today · 4.125%
HK$133,692
baseline
▲ 0.50% · 4.625%
HK$140,739
+HK$7,047/mo
Deposit HK$25.00M · loan HK$25.00M · min. income ≈ HK$267,384/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,125,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,817
−HK$8,579/mo
▼ 0.25% · 3.875%
HK$141,072
−HK$4,324/mo
Today · 4.125%
HK$145,396
baseline
▲ 0.50% · 4.625%
HK$154,243
+HK$8,847/mo
Deposit HK$20.00M · loan HK$30.00M · min. income ≈ HK$290,792/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,125,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,207
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$156,289
−HK$4,141/mo
Today · 4.125%
HK$160,430
baseline
▲ 0.50% · 4.625%
HK$168,887
+HK$8,457/mo
Deposit HK$20.00M · loan HK$30.00M · min. income ≈ HK$320,860/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,125,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,619
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,585
−HK$5,044/mo
Today · 4.125%
HK$169,629
baseline
▲ 0.50% · 4.625%
HK$179,951
+HK$10,322/mo
Deposit HK$15.00M · loan HK$35.00M · min. income ≈ HK$339,258/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,125,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,575
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$182,338
−HK$4,831/mo
Today · 4.125%
HK$187,169
baseline
▲ 0.50% · 4.625%
HK$197,035
+HK$9,866/mo
Deposit HK$15.00M · loan HK$35.00M · min. income ≈ HK$374,338/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,125,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,225
−HK$12,869/mo
▼ 0.25% · 3.875%
HK$211,609
−HK$6,485/mo
Today · 4.125%
HK$218,094
baseline
▲ 0.50% · 4.625%
HK$231,365
+HK$13,271/mo
Deposit HK$5.00M · loan HK$45.00M · min. income ≈ HK$436,188/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,125,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,311
−HK$12,335/mo
▼ 0.25% · 3.875%
HK$234,434
−HK$6,212/mo
Today · 4.125%
HK$240,646
baseline
▲ 0.50% · 4.625%
HK$253,330
+HK$12,684/mo
Deposit HK$5.00M · loan HK$45.00M · min. income ≈ HK$481,292/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,125,021 · Scale 2, in force from 26 Feb 2026)