LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,147
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,728
−HK$3,639/mo
Today · 4.125%
HK$122,367
baseline
▲ 0.50% · 4.625%
HK$129,813
+HK$7,446/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$244,734/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,146,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,100
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,535
−HK$3,485/mo
Today · 4.125%
HK$135,020
baseline
▲ 0.50% · 4.625%
HK$142,138
+HK$7,118/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$270,040/mo (50% DSR)
Upfront cash ≈ HK$27.39M (deposit + AVD stamp duty HK$2,146,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,176
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$142,474
−HK$4,367/mo
Today · 4.125%
HK$146,841
baseline
▲ 0.50% · 4.625%
HK$155,776
+HK$8,935/mo
Deposit HK$20.20M · loan HK$30.30M · min. income ≈ HK$293,682/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,146,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,720
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$157,842
−HK$4,183/mo
Today · 4.125%
HK$162,025
baseline
▲ 0.50% · 4.625%
HK$170,565
+HK$8,540/mo
Deposit HK$20.20M · loan HK$30.30M · min. income ≈ HK$324,050/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,146,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,205
−HK$10,109/mo
▼ 0.25% · 3.875%
HK$166,220
−HK$5,094/mo
Today · 4.125%
HK$171,314
baseline
▲ 0.50% · 4.625%
HK$181,739
+HK$10,425/mo
Deposit HK$15.15M · loan HK$35.35M · min. income ≈ HK$342,628/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,146,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,339
−HK$9,690/mo
▼ 0.25% · 3.875%
HK$184,149
−HK$4,880/mo
Today · 4.125%
HK$189,029
baseline
▲ 0.50% · 4.625%
HK$198,993
+HK$9,964/mo
Deposit HK$15.15M · loan HK$35.35M · min. income ≈ HK$378,058/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,146,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,264
−HK$12,997/mo
▼ 0.25% · 3.875%
HK$213,711
−HK$6,550/mo
Today · 4.125%
HK$220,261
baseline
▲ 0.50% · 4.625%
HK$233,664
+HK$13,403/mo
Deposit HK$5.05M · loan HK$45.45M · min. income ≈ HK$440,522/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,579
−HK$12,458/mo
▼ 0.25% · 3.875%
HK$236,763
−HK$6,274/mo
Today · 4.125%
HK$243,037
baseline
▲ 0.50% · 4.625%
HK$255,848
+HK$12,811/mo
Deposit HK$5.05M · loan HK$45.45M · min. income ≈ HK$486,074/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,135 · Scale 2, in force from 26 Feb 2026)