LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,140
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,721
−HK$3,639/mo
Today · 4.125%
HK$122,360
baseline
▲ 0.50% · 4.625%
HK$129,805
+HK$7,445/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$244,720/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,092
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,527
−HK$3,485/mo
Today · 4.125%
HK$135,012
baseline
▲ 0.50% · 4.625%
HK$142,129
+HK$7,117/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$270,024/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,168
−HK$8,664/mo
▼ 0.25% · 3.875%
HK$142,465
−HK$4,367/mo
Today · 4.125%
HK$146,832
baseline
▲ 0.50% · 4.625%
HK$155,766
+HK$8,934/mo
Deposit HK$20.20M · loan HK$30.30M · min. income ≈ HK$293,664/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,710
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$157,832
−HK$4,182/mo
Today · 4.125%
HK$162,014
baseline
▲ 0.50% · 4.625%
HK$170,555
+HK$8,541/mo
Deposit HK$20.20M · loan HK$30.30M · min. income ≈ HK$324,028/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,195
−HK$10,109/mo
▼ 0.25% · 3.875%
HK$166,210
−HK$5,094/mo
Today · 4.125%
HK$171,304
baseline
▲ 0.50% · 4.625%
HK$181,727
+HK$10,423/mo
Deposit HK$15.15M · loan HK$35.35M · min. income ≈ HK$342,608/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,328
−HK$9,689/mo
▼ 0.25% · 3.875%
HK$184,138
−HK$4,879/mo
Today · 4.125%
HK$189,017
baseline
▲ 0.50% · 4.625%
HK$198,980
+HK$9,963/mo
Deposit HK$15.15M · loan HK$35.35M · min. income ≈ HK$378,034/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$2,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,251
−HK$12,997/mo
▼ 0.25% · 3.875%
HK$213,698
−HK$6,550/mo
Today · 4.125%
HK$220,248
baseline
▲ 0.50% · 4.625%
HK$233,649
+HK$13,401/mo
Deposit HK$5.05M · loan HK$45.44M · min. income ≈ HK$440,496/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,565
−HK$12,457/mo
▼ 0.25% · 3.875%
HK$236,749
−HK$6,273/mo
Today · 4.125%
HK$243,022
baseline
▲ 0.50% · 4.625%
HK$255,832
+HK$12,810/mo
Deposit HK$5.05M · loan HK$45.44M · min. income ≈ HK$486,044/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,002 · Scale 2, in force from 26 Feb 2026)