LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,448
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,039
−HK$3,649/mo
Today · 4.125%
HK$122,688
baseline
▲ 0.50% · 4.625%
HK$130,153
+HK$7,465/mo
Deposit HK$25.31M · loan HK$25.31M · min. income ≈ HK$245,376/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,151,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,435
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,879
−HK$3,495/mo
Today · 4.125%
HK$135,374
baseline
▲ 0.50% · 4.625%
HK$142,509
+HK$7,135/mo
Deposit HK$25.31M · loan HK$25.31M · min. income ≈ HK$270,748/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,151,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,538
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,847
−HK$4,378/mo
Today · 4.125%
HK$147,225
baseline
▲ 0.50% · 4.625%
HK$156,184
+HK$8,959/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$294,450/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,151,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,122
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,255
−HK$4,194/mo
Today · 4.125%
HK$162,449
baseline
▲ 0.50% · 4.625%
HK$171,011
+HK$8,562/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$324,898/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,151,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,627
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$166,655
−HK$5,108/mo
Today · 4.125%
HK$171,763
baseline
▲ 0.50% · 4.625%
HK$182,214
+HK$10,451/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$343,526/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,809
−HK$9,714/mo
▼ 0.25% · 3.875%
HK$184,631
−HK$4,892/mo
Today · 4.125%
HK$189,523
baseline
▲ 0.50% · 4.625%
HK$199,513
+HK$9,990/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$379,046/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,807
−HK$13,031/mo
▼ 0.25% · 3.875%
HK$214,270
−HK$6,568/mo
Today · 4.125%
HK$220,838
baseline
▲ 0.50% · 4.625%
HK$234,275
+HK$13,437/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$441,676/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,151,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,183
−HK$12,490/mo
▼ 0.25% · 3.875%
HK$237,383
−HK$6,290/mo
Today · 4.125%
HK$243,673
baseline
▲ 0.50% · 4.625%
HK$256,517
+HK$12,844/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$487,346/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,151,751 · Scale 2, in force from 26 Feb 2026)