LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,172
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,755
−HK$3,639/mo
Today · 4.125%
HK$122,394
baseline
▲ 0.50% · 4.625%
HK$129,842
+HK$7,448/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$244,788/mo (50% DSR)
Upfront cash ≈ HK$27.40M (deposit + AVD stamp duty HK$2,146,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,128
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,564
−HK$3,486/mo
Today · 4.125%
HK$135,050
baseline
▲ 0.50% · 4.625%
HK$142,169
+HK$7,119/mo
Deposit HK$25.25M · loan HK$25.25M · min. income ≈ HK$270,100/mo (50% DSR)
Upfront cash ≈ HK$27.40M (deposit + AVD stamp duty HK$2,146,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,207
−HK$8,666/mo
▼ 0.25% · 3.875%
HK$142,506
−HK$4,367/mo
Today · 4.125%
HK$146,873
baseline
▲ 0.50% · 4.625%
HK$155,810
+HK$8,937/mo
Deposit HK$20.20M · loan HK$30.31M · min. income ≈ HK$293,746/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,146,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,753
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$157,877
−HK$4,183/mo
Today · 4.125%
HK$162,060
baseline
▲ 0.50% · 4.625%
HK$170,603
+HK$8,543/mo
Deposit HK$20.20M · loan HK$30.31M · min. income ≈ HK$324,120/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,146,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,241
−HK$10,111/mo
▼ 0.25% · 3.875%
HK$166,256
−HK$5,096/mo
Today · 4.125%
HK$171,352
baseline
▲ 0.50% · 4.625%
HK$181,779
+HK$10,427/mo
Deposit HK$15.15M · loan HK$35.36M · min. income ≈ HK$342,704/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,146,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,379
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$184,190
−HK$4,880/mo
Today · 4.125%
HK$189,070
baseline
▲ 0.50% · 4.625%
HK$199,036
+HK$9,966/mo
Deposit HK$15.15M · loan HK$35.36M · min. income ≈ HK$378,140/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,146,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,310
−HK$13,000/mo
▼ 0.25% · 3.875%
HK$213,758
−HK$6,552/mo
Today · 4.125%
HK$220,310
baseline
▲ 0.50% · 4.625%
HK$233,715
+HK$13,405/mo
Deposit HK$5.05M · loan HK$45.46M · min. income ≈ HK$440,620/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,630
−HK$12,460/mo
▼ 0.25% · 3.875%
HK$236,815
−HK$6,275/mo
Today · 4.125%
HK$243,090
baseline
▲ 0.50% · 4.625%
HK$255,904
+HK$12,814/mo
Deposit HK$5.05M · loan HK$45.46M · min. income ≈ HK$486,180/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,607 · Scale 2, in force from 26 Feb 2026)