LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,467
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,059
−HK$3,649/mo
Today · 4.125%
HK$122,708
baseline
▲ 0.50% · 4.625%
HK$130,175
+HK$7,467/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$245,416/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,152,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,456
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,901
−HK$3,495/mo
Today · 4.125%
HK$135,396
baseline
▲ 0.50% · 4.625%
HK$142,533
+HK$7,137/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$270,792/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,152,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,561
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$142,871
−HK$4,379/mo
Today · 4.125%
HK$147,250
baseline
▲ 0.50% · 4.625%
HK$156,210
+HK$8,960/mo
Deposit HK$20.26M · loan HK$30.38M · min. income ≈ HK$294,500/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,147
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$158,282
−HK$4,194/mo
Today · 4.125%
HK$162,476
baseline
▲ 0.50% · 4.625%
HK$171,040
+HK$8,564/mo
Deposit HK$20.26M · loan HK$30.38M · min. income ≈ HK$324,952/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,654
−HK$10,137/mo
▼ 0.25% · 3.875%
HK$166,683
−HK$5,108/mo
Today · 4.125%
HK$171,791
baseline
▲ 0.50% · 4.625%
HK$182,244
+HK$10,453/mo
Deposit HK$15.19M · loan HK$35.45M · min. income ≈ HK$343,582/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,152,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,839
−HK$9,716/mo
▼ 0.25% · 3.875%
HK$184,662
−HK$4,893/mo
Today · 4.125%
HK$189,555
baseline
▲ 0.50% · 4.625%
HK$199,547
+HK$9,992/mo
Deposit HK$15.19M · loan HK$35.45M · min. income ≈ HK$379,110/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,152,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,841
−HK$13,034/mo
▼ 0.25% · 3.875%
HK$214,306
−HK$6,569/mo
Today · 4.125%
HK$220,875
baseline
▲ 0.50% · 4.625%
HK$234,314
+HK$13,439/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$441,750/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,221
−HK$12,492/mo
▼ 0.25% · 3.875%
HK$237,422
−HK$6,291/mo
Today · 4.125%
HK$243,713
baseline
▲ 0.50% · 4.625%
HK$256,560
+HK$12,847/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$487,426/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,110 · Scale 2, in force from 26 Feb 2026)