LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,504
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$119,097
−HK$3,650/mo
Today · 4.125%
HK$122,747
baseline
▲ 0.50% · 4.625%
HK$130,216
+HK$7,469/mo
Deposit HK$25.33M · loan HK$25.33M · min. income ≈ HK$245,494/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,152,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,497
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,944
−HK$3,496/mo
Today · 4.125%
HK$135,440
baseline
▲ 0.50% · 4.625%
HK$142,579
+HK$7,139/mo
Deposit HK$25.33M · loan HK$25.33M · min. income ≈ HK$270,880/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,152,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,605
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$142,916
−HK$4,381/mo
Today · 4.125%
HK$147,297
baseline
▲ 0.50% · 4.625%
HK$156,259
+HK$8,962/mo
Deposit HK$20.26M · loan HK$30.39M · min. income ≈ HK$294,594/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,197
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$158,332
−HK$4,196/mo
Today · 4.125%
HK$162,528
baseline
▲ 0.50% · 4.625%
HK$171,095
+HK$8,567/mo
Deposit HK$20.26M · loan HK$30.39M · min. income ≈ HK$325,056/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,706
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$166,736
−HK$5,110/mo
Today · 4.125%
HK$171,846
baseline
▲ 0.50% · 4.625%
HK$182,303
+HK$10,457/mo
Deposit HK$15.20M · loan HK$35.46M · min. income ≈ HK$343,692/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,152,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,896
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$184,721
−HK$4,894/mo
Today · 4.125%
HK$189,615
baseline
▲ 0.50% · 4.625%
HK$199,610
+HK$9,995/mo
Deposit HK$15.20M · loan HK$35.46M · min. income ≈ HK$379,230/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,152,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,908
−HK$13,037/mo
▼ 0.25% · 3.875%
HK$214,375
−HK$6,570/mo
Today · 4.125%
HK$220,945
baseline
▲ 0.50% · 4.625%
HK$234,389
+HK$13,444/mo
Deposit HK$5.07M · loan HK$45.59M · min. income ≈ HK$441,890/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,295
−HK$12,496/mo
▼ 0.25% · 3.875%
HK$237,498
−HK$6,293/mo
Today · 4.125%
HK$243,791
baseline
▲ 0.50% · 4.625%
HK$256,642
+HK$12,851/mo
Deposit HK$5.07M · loan HK$45.59M · min. income ≈ HK$487,582/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,797 · Scale 2, in force from 26 Feb 2026)