LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,391
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$118,981
−HK$3,647/mo
Today · 4.125%
HK$122,628
baseline
▲ 0.50% · 4.625%
HK$130,089
+HK$7,461/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$245,256/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,372
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,815
−HK$3,492/mo
Today · 4.125%
HK$135,307
baseline
▲ 0.50% · 4.625%
HK$142,440
+HK$7,133/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$270,614/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,470
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,777
−HK$4,376/mo
Today · 4.125%
HK$147,153
baseline
▲ 0.50% · 4.625%
HK$156,107
+HK$8,954/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$294,306/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,046
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,178
−HK$4,191/mo
Today · 4.125%
HK$162,369
baseline
▲ 0.50% · 4.625%
HK$170,928
+HK$8,559/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$324,738/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,548
−HK$10,131/mo
▼ 0.25% · 3.875%
HK$166,573
−HK$5,106/mo
Today · 4.125%
HK$171,679
baseline
▲ 0.50% · 4.625%
HK$182,125
+HK$10,446/mo
Deposit HK$15.18M · loan HK$35.42M · min. income ≈ HK$343,358/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,721
−HK$9,709/mo
▼ 0.25% · 3.875%
HK$184,541
−HK$4,889/mo
Today · 4.125%
HK$189,430
baseline
▲ 0.50% · 4.625%
HK$199,416
+HK$9,986/mo
Deposit HK$15.18M · loan HK$35.42M · min. income ≈ HK$378,860/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,705
−HK$13,025/mo
▼ 0.25% · 3.875%
HK$214,165
−HK$6,565/mo
Today · 4.125%
HK$220,730
baseline
▲ 0.50% · 4.625%
HK$234,160
+HK$13,430/mo
Deposit HK$5.06M · loan HK$45.54M · min. income ≈ HK$441,460/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,069
−HK$12,484/mo
▼ 0.25% · 3.875%
HK$237,267
−HK$6,286/mo
Today · 4.125%
HK$243,553
baseline
▲ 0.50% · 4.625%
HK$256,391
+HK$12,838/mo
Deposit HK$5.06M · loan HK$45.54M · min. income ≈ HK$487,106/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,697 · Scale 2, in force from 26 Feb 2026)