LTV · monthly repayment
▼ 0.50% · 3.625%
HK$117,890
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$121,557
−HK$3,726/mo
Today · 4.125%
HK$125,283
baseline
▲ 0.50% · 4.625%
HK$132,906
+HK$7,623/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$250,566/mo (50% DSR)
Upfront cash ≈ HK$28.05M (deposit + AVD stamp duty HK$2,197,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,152
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,669
−HK$3,569/mo
Today · 4.125%
HK$138,238
baseline
▲ 0.50% · 4.625%
HK$145,524
+HK$7,286/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$276,476/mo (50% DSR)
Upfront cash ≈ HK$28.05M (deposit + AVD stamp duty HK$2,197,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,468
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$145,869
−HK$4,471/mo
Today · 4.125%
HK$150,340
baseline
▲ 0.50% · 4.625%
HK$159,488
+HK$9,148/mo
Deposit HK$20.68M · loan HK$31.02M · min. income ≈ HK$300,680/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,197,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,382
−HK$8,503/mo
▼ 0.25% · 3.875%
HK$161,603
−HK$4,282/mo
Today · 4.125%
HK$165,885
baseline
▲ 0.50% · 4.625%
HK$174,629
+HK$8,744/mo
Deposit HK$20.68M · loan HK$31.02M · min. income ≈ HK$331,770/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,197,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,046
−HK$10,350/mo
▼ 0.25% · 3.875%
HK$170,180
−HK$5,216/mo
Today · 4.125%
HK$175,396
baseline
▲ 0.50% · 4.625%
HK$186,069
+HK$10,673/mo
Deposit HK$15.51M · loan HK$36.19M · min. income ≈ HK$350,792/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,197,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,613
−HK$9,920/mo
▼ 0.25% · 3.875%
HK$188,537
−HK$4,996/mo
Today · 4.125%
HK$193,533
baseline
▲ 0.50% · 4.625%
HK$203,734
+HK$10,201/mo
Deposit HK$15.51M · loan HK$36.19M · min. income ≈ HK$387,066/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,197,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,203
−HK$13,307/mo
▼ 0.25% · 3.875%
HK$218,803
−HK$6,707/mo
Today · 4.125%
HK$225,510
baseline
▲ 0.50% · 4.625%
HK$239,231
+HK$13,721/mo
Deposit HK$5.17M · loan HK$46.53M · min. income ≈ HK$451,020/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,197,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,073
−HK$12,755/mo
▼ 0.25% · 3.875%
HK$242,405
−HK$6,423/mo
Today · 4.125%
HK$248,828
baseline
▲ 0.50% · 4.625%
HK$261,944
+HK$13,116/mo
Deposit HK$5.17M · loan HK$46.53M · min. income ≈ HK$497,656/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,197,270 · Scale 2, in force from 26 Feb 2026)