LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,371
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,959
−HK$3,647/mo
Today · 4.125%
HK$122,606
baseline
▲ 0.50% · 4.625%
HK$130,066
+HK$7,460/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$245,212/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,349
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,791
−HK$3,492/mo
Today · 4.125%
HK$135,283
baseline
▲ 0.50% · 4.625%
HK$142,414
+HK$7,131/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$270,566/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,445
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$142,751
−HK$4,376/mo
Today · 4.125%
HK$147,127
baseline
▲ 0.50% · 4.625%
HK$156,079
+HK$8,952/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$294,254/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,019
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$158,149
−HK$4,191/mo
Today · 4.125%
HK$162,340
baseline
▲ 0.50% · 4.625%
HK$170,897
+HK$8,557/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$324,680/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,519
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$166,543
−HK$5,105/mo
Today · 4.125%
HK$171,648
baseline
▲ 0.50% · 4.625%
HK$182,092
+HK$10,444/mo
Deposit HK$15.18M · loan HK$35.42M · min. income ≈ HK$343,296/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,688
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$184,508
−HK$4,888/mo
Today · 4.125%
HK$189,396
baseline
▲ 0.50% · 4.625%
HK$199,380
+HK$9,984/mo
Deposit HK$15.18M · loan HK$35.42M · min. income ≈ HK$378,792/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,667
−HK$13,023/mo
▼ 0.25% · 3.875%
HK$214,127
−HK$6,563/mo
Today · 4.125%
HK$220,690
baseline
▲ 0.50% · 4.625%
HK$234,118
+HK$13,428/mo
Deposit HK$5.06M · loan HK$45.54M · min. income ≈ HK$441,380/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,028
−HK$12,482/mo
▼ 0.25% · 3.875%
HK$237,224
−HK$6,286/mo
Today · 4.125%
HK$243,510
baseline
▲ 0.50% · 4.625%
HK$256,345
+HK$12,835/mo
Deposit HK$5.06M · loan HK$45.54M · min. income ≈ HK$487,020/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,311 · Scale 2, in force from 26 Feb 2026)