LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,395
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$118,985
−HK$3,647/mo
Today · 4.125%
HK$122,632
baseline
▲ 0.50% · 4.625%
HK$130,093
+HK$7,461/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$245,264/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,376
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,819
−HK$3,493/mo
Today · 4.125%
HK$135,312
baseline
▲ 0.50% · 4.625%
HK$142,444
+HK$7,132/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$270,624/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,474
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$142,782
−HK$4,376/mo
Today · 4.125%
HK$147,158
baseline
▲ 0.50% · 4.625%
HK$156,112
+HK$8,954/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$294,316/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,051
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,183
−HK$4,191/mo
Today · 4.125%
HK$162,374
baseline
▲ 0.50% · 4.625%
HK$170,933
+HK$8,559/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$324,748/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,553
−HK$10,131/mo
▼ 0.25% · 3.875%
HK$166,579
−HK$5,105/mo
Today · 4.125%
HK$171,684
baseline
▲ 0.50% · 4.625%
HK$182,131
+HK$10,447/mo
Deposit HK$15.18M · loan HK$35.42M · min. income ≈ HK$343,368/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,726
−HK$9,711/mo
▼ 0.25% · 3.875%
HK$184,547
−HK$4,890/mo
Today · 4.125%
HK$189,437
baseline
▲ 0.50% · 4.625%
HK$199,422
+HK$9,985/mo
Deposit HK$15.18M · loan HK$35.42M · min. income ≈ HK$378,874/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,711
−HK$13,026/mo
▼ 0.25% · 3.875%
HK$214,172
−HK$6,565/mo
Today · 4.125%
HK$220,737
baseline
▲ 0.50% · 4.625%
HK$234,168
+HK$13,431/mo
Deposit HK$5.06M · loan HK$45.55M · min. income ≈ HK$441,474/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,077
−HK$12,484/mo
▼ 0.25% · 3.875%
HK$237,274
−HK$6,287/mo
Today · 4.125%
HK$243,561
baseline
▲ 0.50% · 4.625%
HK$256,400
+HK$12,839/mo
Deposit HK$5.06M · loan HK$45.55M · min. income ≈ HK$487,122/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,766 · Scale 2, in force from 26 Feb 2026)