LTV · monthly repayment
▼ 0.50% · 3.625%
HK$117,898
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,566
−HK$3,726/mo
Today · 4.125%
HK$125,292
baseline
▲ 0.50% · 4.625%
HK$132,915
+HK$7,623/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$250,584/mo (50% DSR)
Upfront cash ≈ HK$28.05M (deposit + AVD stamp duty HK$2,197,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,161
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,678
−HK$3,569/mo
Today · 4.125%
HK$138,247
baseline
▲ 0.50% · 4.625%
HK$145,534
+HK$7,287/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$276,494/mo (50% DSR)
Upfront cash ≈ HK$28.05M (deposit + AVD stamp duty HK$2,197,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,478
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$145,879
−HK$4,471/mo
Today · 4.125%
HK$150,350
baseline
▲ 0.50% · 4.625%
HK$159,498
+HK$9,148/mo
Deposit HK$20.68M · loan HK$31.02M · min. income ≈ HK$300,700/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,197,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,393
−HK$8,503/mo
▼ 0.25% · 3.875%
HK$161,614
−HK$4,282/mo
Today · 4.125%
HK$165,896
baseline
▲ 0.50% · 4.625%
HK$174,641
+HK$8,745/mo
Deposit HK$20.68M · loan HK$31.02M · min. income ≈ HK$331,792/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,197,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,058
−HK$10,350/mo
▼ 0.25% · 3.875%
HK$170,192
−HK$5,216/mo
Today · 4.125%
HK$175,408
baseline
▲ 0.50% · 4.625%
HK$186,081
+HK$10,673/mo
Deposit HK$15.51M · loan HK$36.19M · min. income ≈ HK$350,816/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,197,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,625
−HK$9,921/mo
▼ 0.25% · 3.875%
HK$188,550
−HK$4,996/mo
Today · 4.125%
HK$193,546
baseline
▲ 0.50% · 4.625%
HK$203,748
+HK$10,202/mo
Deposit HK$15.51M · loan HK$36.19M · min. income ≈ HK$387,092/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,197,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,217
−HK$13,308/mo
▼ 0.25% · 3.875%
HK$218,818
−HK$6,707/mo
Today · 4.125%
HK$225,525
baseline
▲ 0.50% · 4.625%
HK$239,247
+HK$13,722/mo
Deposit HK$5.17M · loan HK$46.53M · min. income ≈ HK$451,050/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,197,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,089
−HK$12,755/mo
▼ 0.25% · 3.875%
HK$242,421
−HK$6,423/mo
Today · 4.125%
HK$248,844
baseline
▲ 0.50% · 4.625%
HK$261,961
+HK$13,117/mo
Deposit HK$5.17M · loan HK$46.53M · min. income ≈ HK$497,688/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,197,419 · Scale 2, in force from 26 Feb 2026)