LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,157
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,739
−HK$3,640/mo
Today · 4.125%
HK$122,379
baseline
▲ 0.50% · 4.625%
HK$129,825
+HK$7,446/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$244,758/mo (50% DSR)
Upfront cash ≈ HK$27.40M (deposit + AVD stamp duty HK$2,146,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,111
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,547
−HK$3,486/mo
Today · 4.125%
HK$135,033
baseline
▲ 0.50% · 4.625%
HK$142,151
+HK$7,118/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$270,066/mo (50% DSR)
Upfront cash ≈ HK$27.40M (deposit + AVD stamp duty HK$2,146,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,189
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$142,487
−HK$4,367/mo
Today · 4.125%
HK$146,854
baseline
▲ 0.50% · 4.625%
HK$155,790
+HK$8,936/mo
Deposit HK$20.20M · loan HK$30.30M · min. income ≈ HK$293,708/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,146,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,734
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$157,857
−HK$4,182/mo
Today · 4.125%
HK$162,039
baseline
▲ 0.50% · 4.625%
HK$170,581
+HK$8,542/mo
Deposit HK$20.20M · loan HK$30.30M · min. income ≈ HK$324,078/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,146,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,220
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$166,235
−HK$5,095/mo
Today · 4.125%
HK$171,330
baseline
▲ 0.50% · 4.625%
HK$181,755
+HK$10,425/mo
Deposit HK$15.15M · loan HK$35.35M · min. income ≈ HK$342,660/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,146,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,356
−HK$9,690/mo
▼ 0.25% · 3.875%
HK$184,166
−HK$4,880/mo
Today · 4.125%
HK$189,046
baseline
▲ 0.50% · 4.625%
HK$199,011
+HK$9,965/mo
Deposit HK$15.15M · loan HK$35.35M · min. income ≈ HK$378,092/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,146,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,283
−HK$12,999/mo
▼ 0.25% · 3.875%
HK$213,731
−HK$6,551/mo
Today · 4.125%
HK$220,282
baseline
▲ 0.50% · 4.625%
HK$233,685
+HK$13,403/mo
Deposit HK$5.05M · loan HK$45.45M · min. income ≈ HK$440,564/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,600
−HK$12,459/mo
▼ 0.25% · 3.875%
HK$236,785
−HK$6,274/mo
Today · 4.125%
HK$243,059
baseline
▲ 0.50% · 4.625%
HK$255,871
+HK$12,812/mo
Deposit HK$5.05M · loan HK$45.45M · min. income ≈ HK$486,118/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,332 · Scale 2, in force from 26 Feb 2026)