LTV · monthly repayment
▼ 0.50% · 3.625%
HK$117,950
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$121,619
−HK$3,728/mo
Today · 4.125%
HK$125,347
baseline
▲ 0.50% · 4.625%
HK$132,974
+HK$7,627/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$250,694/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,219
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,738
−HK$3,570/mo
Today · 4.125%
HK$138,308
baseline
▲ 0.50% · 4.625%
HK$145,598
+HK$7,290/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$276,616/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,541
−HK$8,875/mo
▼ 0.25% · 3.875%
HK$145,943
−HK$4,473/mo
Today · 4.125%
HK$150,416
baseline
▲ 0.50% · 4.625%
HK$159,569
+HK$9,153/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$300,832/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,462
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$161,685
−HK$4,285/mo
Today · 4.125%
HK$165,970
baseline
▲ 0.50% · 4.625%
HK$174,718
+HK$8,748/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$331,940/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,131
−HK$10,355/mo
▼ 0.25% · 3.875%
HK$170,267
−HK$5,219/mo
Today · 4.125%
HK$175,486
baseline
▲ 0.50% · 4.625%
HK$186,164
+HK$10,678/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$350,972/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,706
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$188,633
−HK$4,998/mo
Today · 4.125%
HK$193,631
baseline
▲ 0.50% · 4.625%
HK$203,838
+HK$10,207/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$387,262/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,311
−HK$13,314/mo
▼ 0.25% · 3.875%
HK$218,915
−HK$6,710/mo
Today · 4.125%
HK$225,625
baseline
▲ 0.50% · 4.625%
HK$239,353
+HK$13,728/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$451,250/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,194
−HK$12,760/mo
▼ 0.25% · 3.875%
HK$242,528
−HK$6,426/mo
Today · 4.125%
HK$248,954
baseline
▲ 0.50% · 4.625%
HK$262,077
+HK$13,123/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$497,908/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,390 · Scale 2, in force from 26 Feb 2026)