LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,211
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$118,794
−HK$3,641/mo
Today · 4.125%
HK$122,435
baseline
▲ 0.50% · 4.625%
HK$129,885
+HK$7,450/mo
Deposit HK$25.26M · loan HK$25.26M · min. income ≈ HK$244,870/mo (50% DSR)
Upfront cash ≈ HK$27.41M (deposit + AVD stamp duty HK$2,147,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,171
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,608
−HK$3,487/mo
Today · 4.125%
HK$135,095
baseline
▲ 0.50% · 4.625%
HK$142,216
+HK$7,121/mo
Deposit HK$25.26M · loan HK$25.26M · min. income ≈ HK$270,190/mo (50% DSR)
Upfront cash ≈ HK$27.41M (deposit + AVD stamp duty HK$2,147,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,253
−HK$8,669/mo
▼ 0.25% · 3.875%
HK$142,553
−HK$4,369/mo
Today · 4.125%
HK$146,922
baseline
▲ 0.50% · 4.625%
HK$155,862
+HK$8,940/mo
Deposit HK$20.21M · loan HK$30.32M · min. income ≈ HK$293,844/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$2,147,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,805
−HK$8,309/mo
▼ 0.25% · 3.875%
HK$157,930
−HK$4,184/mo
Today · 4.125%
HK$162,114
baseline
▲ 0.50% · 4.625%
HK$170,660
+HK$8,546/mo
Deposit HK$20.21M · loan HK$30.32M · min. income ≈ HK$324,228/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$2,147,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,295
−HK$10,115/mo
▼ 0.25% · 3.875%
HK$166,312
−HK$5,098/mo
Today · 4.125%
HK$171,410
baseline
▲ 0.50% · 4.625%
HK$181,839
+HK$10,429/mo
Deposit HK$15.16M · loan HK$35.37M · min. income ≈ HK$342,820/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,147,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,439
−HK$9,695/mo
▼ 0.25% · 3.875%
HK$184,251
−HK$4,883/mo
Today · 4.125%
HK$189,134
baseline
▲ 0.50% · 4.625%
HK$199,103
+HK$9,969/mo
Deposit HK$15.16M · loan HK$35.37M · min. income ≈ HK$378,268/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,147,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,379
−HK$13,005/mo
▼ 0.25% · 3.875%
HK$213,830
−HK$6,554/mo
Today · 4.125%
HK$220,384
baseline
▲ 0.50% · 4.625%
HK$233,794
+HK$13,410/mo
Deposit HK$5.05M · loan HK$45.47M · min. income ≈ HK$440,768/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,147,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,707
−HK$12,465/mo
▼ 0.25% · 3.875%
HK$236,895
−HK$6,277/mo
Today · 4.125%
HK$243,172
baseline
▲ 0.50% · 4.625%
HK$255,990
+HK$12,818/mo
Deposit HK$5.05M · loan HK$45.47M · min. income ≈ HK$486,344/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,147,327 · Scale 2, in force from 26 Feb 2026)