LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,133
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,714
−HK$3,639/mo
Today · 4.125%
HK$122,353
baseline
▲ 0.50% · 4.625%
HK$129,798
+HK$7,445/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$244,706/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,145,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,084
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,519
−HK$3,485/mo
Today · 4.125%
HK$135,004
baseline
▲ 0.50% · 4.625%
HK$142,121
+HK$7,117/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$270,008/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,145,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,160
−HK$8,663/mo
▼ 0.25% · 3.875%
HK$142,457
−HK$4,366/mo
Today · 4.125%
HK$146,823
baseline
▲ 0.50% · 4.625%
HK$155,757
+HK$8,934/mo
Deposit HK$20.20M · loan HK$30.29M · min. income ≈ HK$293,646/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,145,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,701
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$157,823
−HK$4,182/mo
Today · 4.125%
HK$162,005
baseline
▲ 0.50% · 4.625%
HK$170,545
+HK$8,540/mo
Deposit HK$20.20M · loan HK$30.29M · min. income ≈ HK$324,010/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,145,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,186
−HK$10,108/mo
▼ 0.25% · 3.875%
HK$166,200
−HK$5,094/mo
Today · 4.125%
HK$171,294
baseline
▲ 0.50% · 4.625%
HK$181,717
+HK$10,423/mo
Deposit HK$15.15M · loan HK$35.34M · min. income ≈ HK$342,588/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,318
−HK$9,688/mo
▼ 0.25% · 3.875%
HK$184,127
−HK$4,879/mo
Today · 4.125%
HK$189,006
baseline
▲ 0.50% · 4.625%
HK$198,969
+HK$9,963/mo
Deposit HK$15.15M · loan HK$35.34M · min. income ≈ HK$378,012/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,145,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,239
−HK$12,996/mo
▼ 0.25% · 3.875%
HK$213,686
−HK$6,549/mo
Today · 4.125%
HK$220,235
baseline
▲ 0.50% · 4.625%
HK$233,636
+HK$13,401/mo
Deposit HK$5.05M · loan HK$45.44M · min. income ≈ HK$440,470/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,145,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,552
−HK$12,456/mo
▼ 0.25% · 3.875%
HK$236,735
−HK$6,273/mo
Today · 4.125%
HK$243,008
baseline
▲ 0.50% · 4.625%
HK$255,817
+HK$12,809/mo
Deposit HK$5.05M · loan HK$45.44M · min. income ≈ HK$486,016/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,145,878 · Scale 2, in force from 26 Feb 2026)