LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,345
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$118,933
−HK$3,646/mo
Today · 4.125%
HK$122,579
baseline
▲ 0.50% · 4.625%
HK$130,037
+HK$7,458/mo
Deposit HK$25.29M · loan HK$25.29M · min. income ≈ HK$245,158/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,149,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,321
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,762
−HK$3,491/mo
Today · 4.125%
HK$135,253
baseline
▲ 0.50% · 4.625%
HK$142,383
+HK$7,130/mo
Deposit HK$25.29M · loan HK$25.29M · min. income ≈ HK$270,506/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,149,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,415
−HK$8,679/mo
▼ 0.25% · 3.875%
HK$142,720
−HK$4,374/mo
Today · 4.125%
HK$147,094
baseline
▲ 0.50% · 4.625%
HK$156,045
+HK$8,951/mo
Deposit HK$20.23M · loan HK$30.35M · min. income ≈ HK$294,188/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$2,149,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,985
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$158,115
−HK$4,189/mo
Today · 4.125%
HK$162,304
baseline
▲ 0.50% · 4.625%
HK$170,859
+HK$8,555/mo
Deposit HK$20.23M · loan HK$30.35M · min. income ≈ HK$324,608/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$2,149,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,484
−HK$10,126/mo
▼ 0.25% · 3.875%
HK$166,507
−HK$5,103/mo
Today · 4.125%
HK$171,610
baseline
▲ 0.50% · 4.625%
HK$182,052
+HK$10,442/mo
Deposit HK$15.18M · loan HK$35.41M · min. income ≈ HK$343,220/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,149,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,649
−HK$9,706/mo
▼ 0.25% · 3.875%
HK$184,467
−HK$4,888/mo
Today · 4.125%
HK$189,355
baseline
▲ 0.50% · 4.625%
HK$199,336
+HK$9,981/mo
Deposit HK$15.18M · loan HK$35.41M · min. income ≈ HK$378,710/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,149,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,622
−HK$13,020/mo
▼ 0.25% · 3.875%
HK$214,080
−HK$6,562/mo
Today · 4.125%
HK$220,642
baseline
▲ 0.50% · 4.625%
HK$234,067
+HK$13,425/mo
Deposit HK$5.06M · loan HK$45.53M · min. income ≈ HK$441,284/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,149,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,977
−HK$12,479/mo
▼ 0.25% · 3.875%
HK$237,172
−HK$6,284/mo
Today · 4.125%
HK$243,456
baseline
▲ 0.50% · 4.625%
HK$256,289
+HK$12,833/mo
Deposit HK$5.06M · loan HK$45.53M · min. income ≈ HK$486,912/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,149,839 · Scale 2, in force from 26 Feb 2026)