LTV · monthly repayment
▼ 0.50% · 3.625%
HK$118,004
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$121,674
−HK$3,730/mo
Today · 4.125%
HK$125,404
baseline
▲ 0.50% · 4.625%
HK$133,034
+HK$7,630/mo
Deposit HK$25.88M · loan HK$25.88M · min. income ≈ HK$250,808/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,199,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,278
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$134,799
−HK$3,571/mo
Today · 4.125%
HK$138,370
baseline
▲ 0.50% · 4.625%
HK$145,664
+HK$7,294/mo
Deposit HK$25.88M · loan HK$25.88M · min. income ≈ HK$276,740/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,199,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,604
−HK$8,880/mo
▼ 0.25% · 3.875%
HK$146,009
−HK$4,475/mo
Today · 4.125%
HK$150,484
baseline
▲ 0.50% · 4.625%
HK$159,641
+HK$9,157/mo
Deposit HK$20.70M · loan HK$31.05M · min. income ≈ HK$300,968/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$2,199,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,534
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$161,759
−HK$4,286/mo
Today · 4.125%
HK$166,045
baseline
▲ 0.50% · 4.625%
HK$174,797
+HK$8,752/mo
Deposit HK$20.70M · loan HK$31.05M · min. income ≈ HK$332,090/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$2,199,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,205
−HK$10,360/mo
▼ 0.25% · 3.875%
HK$170,344
−HK$5,221/mo
Today · 4.125%
HK$175,565
baseline
▲ 0.50% · 4.625%
HK$186,248
+HK$10,683/mo
Deposit HK$15.53M · loan HK$36.23M · min. income ≈ HK$351,130/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,199,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,789
−HK$9,930/mo
▼ 0.25% · 3.875%
HK$188,718
−HK$5,001/mo
Today · 4.125%
HK$193,719
baseline
▲ 0.50% · 4.625%
HK$203,930
+HK$10,211/mo
Deposit HK$15.53M · loan HK$36.23M · min. income ≈ HK$387,438/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,199,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,407
−HK$13,319/mo
▼ 0.25% · 3.875%
HK$219,014
−HK$6,712/mo
Today · 4.125%
HK$225,726
baseline
▲ 0.50% · 4.625%
HK$239,461
+HK$13,735/mo
Deposit HK$5.18M · loan HK$46.58M · min. income ≈ HK$451,452/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,199,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,300
−HK$12,767/mo
▼ 0.25% · 3.875%
HK$242,638
−HK$6,429/mo
Today · 4.125%
HK$249,067
baseline
▲ 0.50% · 4.625%
HK$262,196
+HK$13,129/mo
Deposit HK$5.18M · loan HK$46.58M · min. income ≈ HK$498,134/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,199,384 · Scale 2, in force from 26 Feb 2026)