LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,091
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,671
−HK$3,638/mo
Today · 4.125%
HK$122,309
baseline
▲ 0.50% · 4.625%
HK$129,751
+HK$7,442/mo
Deposit HK$25.24M · loan HK$25.24M · min. income ≈ HK$244,618/mo (50% DSR)
Upfront cash ≈ HK$27.38M (deposit + AVD stamp duty HK$2,145,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,038
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,472
−HK$3,484/mo
Today · 4.125%
HK$134,956
baseline
▲ 0.50% · 4.625%
HK$142,069
+HK$7,113/mo
Deposit HK$25.24M · loan HK$25.24M · min. income ≈ HK$269,912/mo (50% DSR)
Upfront cash ≈ HK$27.38M (deposit + AVD stamp duty HK$2,145,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,110
−HK$8,660/mo
▼ 0.25% · 3.875%
HK$142,406
−HK$4,364/mo
Today · 4.125%
HK$146,770
baseline
▲ 0.50% · 4.625%
HK$155,701
+HK$8,931/mo
Deposit HK$20.19M · loan HK$30.28M · min. income ≈ HK$293,540/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$2,145,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,646
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,766
−HK$4,181/mo
Today · 4.125%
HK$161,947
baseline
▲ 0.50% · 4.625%
HK$170,483
+HK$8,536/mo
Deposit HK$20.19M · loan HK$30.28M · min. income ≈ HK$323,894/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$2,145,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,128
−HK$10,104/mo
▼ 0.25% · 3.875%
HK$166,140
−HK$5,092/mo
Today · 4.125%
HK$171,232
baseline
▲ 0.50% · 4.625%
HK$181,651
+HK$10,419/mo
Deposit HK$15.14M · loan HK$35.33M · min. income ≈ HK$342,464/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,253
−HK$9,685/mo
▼ 0.25% · 3.875%
HK$184,061
−HK$4,877/mo
Today · 4.125%
HK$188,938
baseline
▲ 0.50% · 4.625%
HK$198,897
+HK$9,959/mo
Deposit HK$15.14M · loan HK$35.33M · min. income ≈ HK$377,876/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,165
−HK$12,991/mo
▼ 0.25% · 3.875%
HK$213,608
−HK$6,548/mo
Today · 4.125%
HK$220,156
baseline
▲ 0.50% · 4.625%
HK$233,551
+HK$13,395/mo
Deposit HK$5.05M · loan HK$45.43M · min. income ≈ HK$440,312/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,145,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,468
−HK$12,452/mo
▼ 0.25% · 3.875%
HK$236,649
−HK$6,271/mo
Today · 4.125%
HK$242,920
baseline
▲ 0.50% · 4.625%
HK$255,725
+HK$12,805/mo
Deposit HK$5.05M · loan HK$45.43M · min. income ≈ HK$485,840/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,145,103 · Scale 2, in force from 26 Feb 2026)