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$114,022
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,569
−HK$3,603/mo
Today · 4.125%
HK$121,172
baseline
▲ 0.50% · 4.625%
HK$128,545
+HK$7,373/mo
Deposit HK$25.00M · loan HK$25.00M · min. income ≈ HK$242,344/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,848
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$130,250
−HK$3,451/mo
Today · 4.125%
HK$133,701
baseline
▲ 0.50% · 4.625%
HK$140,749
+HK$7,048/mo
Deposit HK$25.00M · loan HK$25.00M · min. income ≈ HK$267,402/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,826
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$141,082
−HK$4,324/mo
Today · 4.125%
HK$145,406
baseline
▲ 0.50% · 4.625%
HK$154,254
+HK$8,848/mo
Deposit HK$20.00M · loan HK$30.00M · min. income ≈ HK$290,812/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,218
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$156,300
−HK$4,142/mo
Today · 4.125%
HK$160,442
baseline
▲ 0.50% · 4.625%
HK$168,899
+HK$8,457/mo
Deposit HK$20.00M · loan HK$30.00M · min. income ≈ HK$320,884/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,631
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,596
−HK$5,045/mo
Today · 4.125%
HK$169,641
baseline
▲ 0.50% · 4.625%
HK$179,963
+HK$10,322/mo
Deposit HK$15.00M · loan HK$35.00M · min. income ≈ HK$339,282/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,587
−HK$9,595/mo
▼ 0.25% · 3.875%
HK$182,350
−HK$4,832/mo
Today · 4.125%
HK$187,182
baseline
▲ 0.50% · 4.625%
HK$197,049
+HK$9,867/mo
Deposit HK$15.00M · loan HK$35.00M · min. income ≈ HK$374,364/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,239
−HK$12,871/mo
▼ 0.25% · 3.875%
HK$211,623
−HK$6,487/mo
Today · 4.125%
HK$218,110
baseline
▲ 0.50% · 4.625%
HK$231,381
+HK$13,271/mo
Deposit HK$5.00M · loan HK$45.00M · min. income ≈ HK$436,220/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,327
−HK$12,335/mo
▼ 0.25% · 3.875%
HK$234,450
−HK$6,212/mo
Today · 4.125%
HK$240,662
baseline
▲ 0.50% · 4.625%
HK$253,348
+HK$12,686/mo
Deposit HK$5.00M · loan HK$45.00M · min. income ≈ HK$481,324/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,125,169 · Scale 2, in force from 26 Feb 2026)