LTV · monthly repayment
▼ 0.50% · 3.625%
HK$118,005
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$121,676
−HK$3,729/mo
Today · 4.125%
HK$125,405
baseline
▲ 0.50% · 4.625%
HK$133,036
+HK$7,631/mo
Deposit HK$25.88M · loan HK$25.88M · min. income ≈ HK$250,810/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,280
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$134,800
−HK$3,572/mo
Today · 4.125%
HK$138,372
baseline
▲ 0.50% · 4.625%
HK$145,666
+HK$7,294/mo
Deposit HK$25.88M · loan HK$25.88M · min. income ≈ HK$276,744/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,606
−HK$8,880/mo
▼ 0.25% · 3.875%
HK$146,011
−HK$4,475/mo
Today · 4.125%
HK$150,486
baseline
▲ 0.50% · 4.625%
HK$159,643
+HK$9,157/mo
Deposit HK$20.70M · loan HK$31.05M · min. income ≈ HK$300,972/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$2,199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,536
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$161,761
−HK$4,286/mo
Today · 4.125%
HK$166,047
baseline
▲ 0.50% · 4.625%
HK$174,799
+HK$8,752/mo
Deposit HK$20.70M · loan HK$31.05M · min. income ≈ HK$332,094/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$2,199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,207
−HK$10,360/mo
▼ 0.25% · 3.875%
HK$170,346
−HK$5,221/mo
Today · 4.125%
HK$175,567
baseline
▲ 0.50% · 4.625%
HK$186,250
+HK$10,683/mo
Deposit HK$15.53M · loan HK$36.23M · min. income ≈ HK$351,134/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,791
−HK$9,930/mo
▼ 0.25% · 3.875%
HK$188,721
−HK$5,000/mo
Today · 4.125%
HK$193,721
baseline
▲ 0.50% · 4.625%
HK$203,932
+HK$10,211/mo
Deposit HK$15.53M · loan HK$36.23M · min. income ≈ HK$387,442/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,409
−HK$13,320/mo
▼ 0.25% · 3.875%
HK$219,017
−HK$6,712/mo
Today · 4.125%
HK$225,729
baseline
▲ 0.50% · 4.625%
HK$239,464
+HK$13,735/mo
Deposit HK$5.18M · loan HK$46.58M · min. income ≈ HK$451,458/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,303
−HK$12,767/mo
▼ 0.25% · 3.875%
HK$242,641
−HK$6,429/mo
Today · 4.125%
HK$249,070
baseline
▲ 0.50% · 4.625%
HK$262,199
+HK$13,129/mo
Deposit HK$5.18M · loan HK$46.58M · min. income ≈ HK$498,140/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,199,412 · Scale 2, in force from 26 Feb 2026)