LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,124
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,706
−HK$3,638/mo
Today · 4.125%
HK$122,344
baseline
▲ 0.50% · 4.625%
HK$129,788
+HK$7,444/mo
Deposit HK$25.24M · loan HK$25.24M · min. income ≈ HK$244,688/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,145,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,075
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,510
−HK$3,484/mo
Today · 4.125%
HK$134,994
baseline
▲ 0.50% · 4.625%
HK$142,110
+HK$7,116/mo
Deposit HK$25.24M · loan HK$25.24M · min. income ≈ HK$269,988/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,145,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,149
−HK$8,664/mo
▼ 0.25% · 3.875%
HK$142,447
−HK$4,366/mo
Today · 4.125%
HK$146,813
baseline
▲ 0.50% · 4.625%
HK$155,746
+HK$8,933/mo
Deposit HK$20.20M · loan HK$30.29M · min. income ≈ HK$293,626/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,145,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,690
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$157,812
−HK$4,181/mo
Today · 4.125%
HK$161,993
baseline
▲ 0.50% · 4.625%
HK$170,532
+HK$8,539/mo
Deposit HK$20.20M · loan HK$30.29M · min. income ≈ HK$323,986/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,145,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,174
−HK$10,107/mo
▼ 0.25% · 3.875%
HK$166,188
−HK$5,093/mo
Today · 4.125%
HK$171,281
baseline
▲ 0.50% · 4.625%
HK$181,703
+HK$10,422/mo
Deposit HK$15.15M · loan HK$35.34M · min. income ≈ HK$342,562/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,305
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$184,114
−HK$4,878/mo
Today · 4.125%
HK$188,992
baseline
▲ 0.50% · 4.625%
HK$198,954
+HK$9,962/mo
Deposit HK$15.15M · loan HK$35.34M · min. income ≈ HK$377,984/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,224
−HK$12,995/mo
▼ 0.25% · 3.875%
HK$213,670
−HK$6,549/mo
Today · 4.125%
HK$220,219
baseline
▲ 0.50% · 4.625%
HK$233,619
+HK$13,400/mo
Deposit HK$5.05M · loan HK$45.44M · min. income ≈ HK$440,438/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,145,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,535
−HK$12,455/mo
▼ 0.25% · 3.875%
HK$236,718
−HK$6,272/mo
Today · 4.125%
HK$242,990
baseline
▲ 0.50% · 4.625%
HK$255,798
+HK$12,808/mo
Deposit HK$5.05M · loan HK$45.44M · min. income ≈ HK$485,980/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,145,720 · Scale 2, in force from 26 Feb 2026)