LTV · monthly repayment
▼ 0.50% · 3.625%
HK$117,875
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,541
−HK$3,726/mo
Today · 4.125%
HK$125,267
baseline
▲ 0.50% · 4.625%
HK$132,889
+HK$7,622/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$250,534/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,135
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,652
−HK$3,567/mo
Today · 4.125%
HK$138,219
baseline
▲ 0.50% · 4.625%
HK$145,505
+HK$7,286/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$276,438/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,450
−HK$8,870/mo
▼ 0.25% · 3.875%
HK$145,850
−HK$4,470/mo
Today · 4.125%
HK$150,320
baseline
▲ 0.50% · 4.625%
HK$159,467
+HK$9,147/mo
Deposit HK$20.68M · loan HK$31.02M · min. income ≈ HK$300,640/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,361
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$161,582
−HK$4,281/mo
Today · 4.125%
HK$165,863
baseline
▲ 0.50% · 4.625%
HK$174,606
+HK$8,743/mo
Deposit HK$20.68M · loan HK$31.02M · min. income ≈ HK$331,726/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,025
−HK$10,348/mo
▼ 0.25% · 3.875%
HK$170,158
−HK$5,215/mo
Today · 4.125%
HK$175,373
baseline
▲ 0.50% · 4.625%
HK$186,044
+HK$10,671/mo
Deposit HK$15.51M · loan HK$36.19M · min. income ≈ HK$350,746/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,196,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,588
−HK$9,919/mo
▼ 0.25% · 3.875%
HK$188,512
−HK$4,995/mo
Today · 4.125%
HK$193,507
baseline
▲ 0.50% · 4.625%
HK$203,707
+HK$10,200/mo
Deposit HK$15.51M · loan HK$36.19M · min. income ≈ HK$387,014/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,196,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,175
−HK$13,305/mo
▼ 0.25% · 3.875%
HK$218,775
−HK$6,705/mo
Today · 4.125%
HK$225,480
baseline
▲ 0.50% · 4.625%
HK$239,200
+HK$13,720/mo
Deposit HK$5.17M · loan HK$46.52M · min. income ≈ HK$450,960/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,196,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,042
−HK$12,753/mo
▼ 0.25% · 3.875%
HK$242,373
−HK$6,422/mo
Today · 4.125%
HK$248,795
baseline
▲ 0.50% · 4.625%
HK$261,909
+HK$13,114/mo
Deposit HK$5.17M · loan HK$46.52M · min. income ≈ HK$497,590/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,196,981 · Scale 2, in force from 26 Feb 2026)