LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,114
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$118,695
−HK$3,638/mo
Today · 4.125%
HK$122,333
baseline
▲ 0.50% · 4.625%
HK$129,777
+HK$7,444/mo
Deposit HK$25.24M · loan HK$25.24M · min. income ≈ HK$244,666/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,145,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,063
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,498
−HK$3,484/mo
Today · 4.125%
HK$134,982
baseline
▲ 0.50% · 4.625%
HK$142,097
+HK$7,115/mo
Deposit HK$25.24M · loan HK$25.24M · min. income ≈ HK$269,964/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,145,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,137
−HK$8,663/mo
▼ 0.25% · 3.875%
HK$142,434
−HK$4,366/mo
Today · 4.125%
HK$146,800
baseline
▲ 0.50% · 4.625%
HK$155,732
+HK$8,932/mo
Deposit HK$20.19M · loan HK$30.29M · min. income ≈ HK$293,600/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,145,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,676
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$157,798
−HK$4,181/mo
Today · 4.125%
HK$161,979
baseline
▲ 0.50% · 4.625%
HK$170,517
+HK$8,538/mo
Deposit HK$20.19M · loan HK$30.29M · min. income ≈ HK$323,958/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,145,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,160
−HK$10,106/mo
▼ 0.25% · 3.875%
HK$166,173
−HK$5,093/mo
Today · 4.125%
HK$171,266
baseline
▲ 0.50% · 4.625%
HK$181,687
+HK$10,421/mo
Deposit HK$15.14M · loan HK$35.34M · min. income ≈ HK$342,532/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,289
−HK$9,686/mo
▼ 0.25% · 3.875%
HK$184,097
−HK$4,878/mo
Today · 4.125%
HK$188,975
baseline
▲ 0.50% · 4.625%
HK$198,936
+HK$9,961/mo
Deposit HK$15.14M · loan HK$35.34M · min. income ≈ HK$377,950/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,206
−HK$12,993/mo
▼ 0.25% · 3.875%
HK$213,651
−HK$6,548/mo
Today · 4.125%
HK$220,199
baseline
▲ 0.50% · 4.625%
HK$233,598
+HK$13,399/mo
Deposit HK$5.05M · loan HK$45.43M · min. income ≈ HK$440,398/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,145,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,514
−HK$12,454/mo
▼ 0.25% · 3.875%
HK$236,696
−HK$6,272/mo
Today · 4.125%
HK$242,968
baseline
▲ 0.50% · 4.625%
HK$255,775
+HK$12,807/mo
Deposit HK$5.05M · loan HK$45.43M · min. income ≈ HK$485,936/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,145,529 · Scale 2, in force from 26 Feb 2026)