LTV · monthly repayment
▼ 0.50% · 3.625%
HK$117,870
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,536
−HK$3,725/mo
Today · 4.125%
HK$125,261
baseline
▲ 0.50% · 4.625%
HK$132,883
+HK$7,622/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$250,522/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,129
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,646
−HK$3,568/mo
Today · 4.125%
HK$138,214
baseline
▲ 0.50% · 4.625%
HK$145,499
+HK$7,285/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$276,428/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,444
−HK$8,870/mo
▼ 0.25% · 3.875%
HK$145,844
−HK$4,470/mo
Today · 4.125%
HK$150,314
baseline
▲ 0.50% · 4.625%
HK$159,460
+HK$9,146/mo
Deposit HK$20.68M · loan HK$31.01M · min. income ≈ HK$300,628/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,355
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$161,575
−HK$4,281/mo
Today · 4.125%
HK$165,856
baseline
▲ 0.50% · 4.625%
HK$174,599
+HK$8,743/mo
Deposit HK$20.68M · loan HK$31.01M · min. income ≈ HK$331,712/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,018
−HK$10,348/mo
▼ 0.25% · 3.875%
HK$170,151
−HK$5,215/mo
Today · 4.125%
HK$175,366
baseline
▲ 0.50% · 4.625%
HK$186,037
+HK$10,671/mo
Deposit HK$15.51M · loan HK$36.18M · min. income ≈ HK$350,732/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,196,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,581
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$188,504
−HK$4,995/mo
Today · 4.125%
HK$193,499
baseline
▲ 0.50% · 4.625%
HK$203,699
+HK$10,200/mo
Deposit HK$15.51M · loan HK$36.18M · min. income ≈ HK$386,998/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,196,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,166
−HK$13,305/mo
▼ 0.25% · 3.875%
HK$218,765
−HK$6,706/mo
Today · 4.125%
HK$225,471
baseline
▲ 0.50% · 4.625%
HK$239,190
+HK$13,719/mo
Deposit HK$5.17M · loan HK$46.52M · min. income ≈ HK$450,942/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,196,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,032
−HK$12,752/mo
▼ 0.25% · 3.875%
HK$242,363
−HK$6,421/mo
Today · 4.125%
HK$248,784
baseline
▲ 0.50% · 4.625%
HK$261,898
+HK$13,114/mo
Deposit HK$5.17M · loan HK$46.52M · min. income ≈ HK$497,568/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,196,890 · Scale 2, in force from 26 Feb 2026)