LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,052
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$118,631
−HK$3,636/mo
Today · 4.125%
HK$122,267
baseline
▲ 0.50% · 4.625%
HK$129,707
+HK$7,440/mo
Deposit HK$25.23M · loan HK$25.23M · min. income ≈ HK$244,534/mo (50% DSR)
Upfront cash ≈ HK$27.37M (deposit + AVD stamp duty HK$2,144,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,995
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,427
−HK$3,483/mo
Today · 4.125%
HK$134,910
baseline
▲ 0.50% · 4.625%
HK$142,021
+HK$7,111/mo
Deposit HK$25.23M · loan HK$25.23M · min. income ≈ HK$269,820/mo (50% DSR)
Upfront cash ≈ HK$27.37M (deposit + AVD stamp duty HK$2,144,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,063
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$142,357
−HK$4,364/mo
Today · 4.125%
HK$146,721
baseline
▲ 0.50% · 4.625%
HK$155,648
+HK$8,927/mo
Deposit HK$20.18M · loan HK$30.27M · min. income ≈ HK$293,442/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$2,144,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,594
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$157,713
−HK$4,179/mo
Today · 4.125%
HK$161,892
baseline
▲ 0.50% · 4.625%
HK$170,425
+HK$8,533/mo
Deposit HK$20.18M · loan HK$30.27M · min. income ≈ HK$323,784/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$2,144,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,073
−HK$10,101/mo
▼ 0.25% · 3.875%
HK$166,084
−HK$5,090/mo
Today · 4.125%
HK$171,174
baseline
▲ 0.50% · 4.625%
HK$181,590
+HK$10,416/mo
Deposit HK$15.14M · loan HK$35.32M · min. income ≈ HK$342,348/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$2,144,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,192
−HK$9,682/mo
▼ 0.25% · 3.875%
HK$183,998
−HK$4,876/mo
Today · 4.125%
HK$188,874
baseline
▲ 0.50% · 4.625%
HK$198,829
+HK$9,955/mo
Deposit HK$15.14M · loan HK$35.32M · min. income ≈ HK$377,748/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$2,144,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,094
−HK$12,987/mo
▼ 0.25% · 3.875%
HK$213,536
−HK$6,545/mo
Today · 4.125%
HK$220,081
baseline
▲ 0.50% · 4.625%
HK$233,472
+HK$13,391/mo
Deposit HK$5.05M · loan HK$45.41M · min. income ≈ HK$440,162/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,144,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,390
−HK$12,448/mo
▼ 0.25% · 3.875%
HK$236,569
−HK$6,269/mo
Today · 4.125%
HK$242,838
baseline
▲ 0.50% · 4.625%
HK$255,638
+HK$12,800/mo
Deposit HK$5.05M · loan HK$45.41M · min. income ≈ HK$485,676/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,144,376 · Scale 2, in force from 26 Feb 2026)