LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,123
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$118,704
−HK$3,638/mo
Today · 4.125%
HK$122,342
baseline
▲ 0.50% · 4.625%
HK$129,786
+HK$7,444/mo
Deposit HK$25.24M · loan HK$25.24M · min. income ≈ HK$244,684/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,073
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,508
−HK$3,484/mo
Today · 4.125%
HK$134,992
baseline
▲ 0.50% · 4.625%
HK$142,108
+HK$7,116/mo
Deposit HK$25.24M · loan HK$25.24M · min. income ≈ HK$269,984/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,147
−HK$8,663/mo
▼ 0.25% · 3.875%
HK$142,445
−HK$4,365/mo
Today · 4.125%
HK$146,810
baseline
▲ 0.50% · 4.625%
HK$155,744
+HK$8,934/mo
Deposit HK$20.19M · loan HK$30.29M · min. income ≈ HK$293,620/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,688
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$157,809
−HK$4,182/mo
Today · 4.125%
HK$161,991
baseline
▲ 0.50% · 4.625%
HK$170,530
+HK$8,539/mo
Deposit HK$20.19M · loan HK$30.29M · min. income ≈ HK$323,982/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,172
−HK$10,107/mo
▼ 0.25% · 3.875%
HK$166,185
−HK$5,094/mo
Today · 4.125%
HK$171,279
baseline
▲ 0.50% · 4.625%
HK$181,701
+HK$10,422/mo
Deposit HK$15.15M · loan HK$35.34M · min. income ≈ HK$342,558/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,302
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$184,111
−HK$4,878/mo
Today · 4.125%
HK$188,989
baseline
▲ 0.50% · 4.625%
HK$198,951
+HK$9,962/mo
Deposit HK$15.15M · loan HK$35.34M · min. income ≈ HK$377,978/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,221
−HK$12,995/mo
▼ 0.25% · 3.875%
HK$213,667
−HK$6,549/mo
Today · 4.125%
HK$220,216
baseline
▲ 0.50% · 4.625%
HK$233,615
+HK$13,399/mo
Deposit HK$5.05M · loan HK$45.44M · min. income ≈ HK$440,432/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,531
−HK$12,455/mo
▼ 0.25% · 3.875%
HK$236,714
−HK$6,272/mo
Today · 4.125%
HK$242,986
baseline
▲ 0.50% · 4.625%
HK$255,794
+HK$12,808/mo
Deposit HK$5.05M · loan HK$45.44M · min. income ≈ HK$485,972/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,145,689 · Scale 2, in force from 26 Feb 2026)