LTV · monthly repayment
▼ 0.50% · 3.625%
HK$118,048
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$121,720
−HK$3,731/mo
Today · 4.125%
HK$125,451
baseline
▲ 0.50% · 4.625%
HK$133,084
+HK$7,633/mo
Deposit HK$25.88M · loan HK$25.88M · min. income ≈ HK$250,902/mo (50% DSR)
Upfront cash ≈ HK$28.09M (deposit + AVD stamp duty HK$2,200,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,328
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$134,850
−HK$3,573/mo
Today · 4.125%
HK$138,423
baseline
▲ 0.50% · 4.625%
HK$145,719
+HK$7,296/mo
Deposit HK$25.88M · loan HK$25.88M · min. income ≈ HK$276,846/mo (50% DSR)
Upfront cash ≈ HK$28.09M (deposit + AVD stamp duty HK$2,200,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,658
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$146,064
−HK$4,477/mo
Today · 4.125%
HK$150,541
baseline
▲ 0.50% · 4.625%
HK$159,701
+HK$9,160/mo
Deposit HK$20.71M · loan HK$31.06M · min. income ≈ HK$301,082/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,200,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,593
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,820
−HK$4,287/mo
Today · 4.125%
HK$166,107
baseline
▲ 0.50% · 4.625%
HK$174,863
+HK$8,756/mo
Deposit HK$20.71M · loan HK$31.06M · min. income ≈ HK$332,214/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,200,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,268
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$170,408
−HK$5,223/mo
Today · 4.125%
HK$175,631
baseline
▲ 0.50% · 4.625%
HK$186,318
+HK$10,687/mo
Deposit HK$15.53M · loan HK$36.24M · min. income ≈ HK$351,262/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$2,200,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,859
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$188,790
−HK$5,002/mo
Today · 4.125%
HK$193,792
baseline
▲ 0.50% · 4.625%
HK$204,007
+HK$10,215/mo
Deposit HK$15.53M · loan HK$36.24M · min. income ≈ HK$387,584/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$2,200,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,487
−HK$13,325/mo
▼ 0.25% · 3.875%
HK$219,097
−HK$6,715/mo
Today · 4.125%
HK$225,812
baseline
▲ 0.50% · 4.625%
HK$239,552
+HK$13,740/mo
Deposit HK$5.18M · loan HK$46.59M · min. income ≈ HK$451,624/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,200,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,390
−HK$12,771/mo
▼ 0.25% · 3.875%
HK$242,729
−HK$6,432/mo
Today · 4.125%
HK$249,161
baseline
▲ 0.50% · 4.625%
HK$262,295
+HK$13,134/mo
Deposit HK$5.18M · loan HK$46.59M · min. income ≈ HK$498,322/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,200,215 · Scale 2, in force from 26 Feb 2026)