LTV · monthly repayment
▼ 0.50% · 3.625%
HK$118,043
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$121,715
−HK$3,731/mo
Today · 4.125%
HK$125,446
baseline
▲ 0.50% · 4.625%
HK$133,079
+HK$7,633/mo
Deposit HK$25.88M · loan HK$25.88M · min. income ≈ HK$250,892/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,200,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,322
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$134,844
−HK$3,573/mo
Today · 4.125%
HK$138,417
baseline
▲ 0.50% · 4.625%
HK$145,713
+HK$7,296/mo
Deposit HK$25.88M · loan HK$25.88M · min. income ≈ HK$276,834/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,200,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,652
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$146,058
−HK$4,477/mo
Today · 4.125%
HK$150,535
baseline
▲ 0.50% · 4.625%
HK$159,695
+HK$9,160/mo
Deposit HK$20.71M · loan HK$31.06M · min. income ≈ HK$301,070/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,200,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,587
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$161,813
−HK$4,287/mo
Today · 4.125%
HK$166,100
baseline
▲ 0.50% · 4.625%
HK$174,856
+HK$8,756/mo
Deposit HK$20.71M · loan HK$31.06M · min. income ≈ HK$332,200/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,200,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,261
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$170,401
−HK$5,223/mo
Today · 4.125%
HK$175,624
baseline
▲ 0.50% · 4.625%
HK$186,310
+HK$10,686/mo
Deposit HK$15.53M · loan HK$36.24M · min. income ≈ HK$351,248/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$2,200,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,851
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$188,782
−HK$5,002/mo
Today · 4.125%
HK$193,784
baseline
▲ 0.50% · 4.625%
HK$203,998
+HK$10,214/mo
Deposit HK$15.53M · loan HK$36.24M · min. income ≈ HK$387,568/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$2,200,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,478
−HK$13,324/mo
▼ 0.25% · 3.875%
HK$219,087
−HK$6,715/mo
Today · 4.125%
HK$225,802
baseline
▲ 0.50% · 4.625%
HK$239,542
+HK$13,740/mo
Deposit HK$5.18M · loan HK$46.59M · min. income ≈ HK$451,604/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,200,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,380
−HK$12,771/mo
▼ 0.25% · 3.875%
HK$242,719
−HK$6,432/mo
Today · 4.125%
HK$249,151
baseline
▲ 0.50% · 4.625%
HK$262,284
+HK$13,133/mo
Deposit HK$5.18M · loan HK$46.59M · min. income ≈ HK$498,302/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,200,123 · Scale 2, in force from 26 Feb 2026)