LTV · monthly repayment
▼ 0.50% · 3.625%
HK$114,400
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,959
−HK$3,615/mo
Today · 4.125%
HK$121,574
baseline
▲ 0.50% · 4.625%
HK$128,972
+HK$7,398/mo
Deposit HK$25.08M · loan HK$25.08M · min. income ≈ HK$243,148/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,269
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,683
−HK$3,462/mo
Today · 4.125%
HK$134,145
baseline
▲ 0.50% · 4.625%
HK$141,216
+HK$7,071/mo
Deposit HK$25.08M · loan HK$25.08M · min. income ≈ HK$268,290/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,281
−HK$8,608/mo
▼ 0.25% · 3.875%
HK$141,551
−HK$4,338/mo
Today · 4.125%
HK$145,889
baseline
▲ 0.50% · 4.625%
HK$154,766
+HK$8,877/mo
Deposit HK$20.07M · loan HK$30.10M · min. income ≈ HK$291,778/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,132,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,723
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$156,819
−HK$4,155/mo
Today · 4.125%
HK$160,974
baseline
▲ 0.50% · 4.625%
HK$169,460
+HK$8,486/mo
Deposit HK$20.07M · loan HK$30.10M · min. income ≈ HK$321,948/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,132,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,161
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$165,143
−HK$5,061/mo
Today · 4.125%
HK$170,204
baseline
▲ 0.50% · 4.625%
HK$180,561
+HK$10,357/mo
Deposit HK$15.05M · loan HK$35.12M · min. income ≈ HK$340,408/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,132,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,177
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$182,956
−HK$4,847/mo
Today · 4.125%
HK$187,803
baseline
▲ 0.50% · 4.625%
HK$197,703
+HK$9,900/mo
Deposit HK$15.05M · loan HK$35.12M · min. income ≈ HK$375,606/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,132,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,921
−HK$12,913/mo
▼ 0.25% · 3.875%
HK$212,326
−HK$6,508/mo
Today · 4.125%
HK$218,834
baseline
▲ 0.50% · 4.625%
HK$232,149
+HK$13,315/mo
Deposit HK$5.02M · loan HK$45.15M · min. income ≈ HK$437,668/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,085
−HK$12,377/mo
▼ 0.25% · 3.875%
HK$235,229
−HK$6,233/mo
Today · 4.125%
HK$241,462
baseline
▲ 0.50% · 4.625%
HK$254,189
+HK$12,727/mo
Deposit HK$5.02M · loan HK$45.15M · min. income ≈ HK$482,924/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,225 · Scale 2, in force from 26 Feb 2026)