LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,558
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,153
−HK$3,652/mo
Today · 4.125%
HK$122,805
baseline
▲ 0.50% · 4.625%
HK$130,277
+HK$7,472/mo
Deposit HK$25.34M · loan HK$25.34M · min. income ≈ HK$245,610/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,153,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,558
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$132,006
−HK$3,497/mo
Today · 4.125%
HK$135,503
baseline
▲ 0.50% · 4.625%
HK$142,646
+HK$7,143/mo
Deposit HK$25.34M · loan HK$25.34M · min. income ≈ HK$271,006/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,153,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,670
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$142,984
−HK$4,382/mo
Today · 4.125%
HK$147,366
baseline
▲ 0.50% · 4.625%
HK$156,333
+HK$8,967/mo
Deposit HK$20.27M · loan HK$30.41M · min. income ≈ HK$294,732/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$2,153,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,269
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$158,407
−HK$4,197/mo
Today · 4.125%
HK$162,604
baseline
▲ 0.50% · 4.625%
HK$171,175
+HK$8,571/mo
Deposit HK$20.27M · loan HK$30.41M · min. income ≈ HK$325,208/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$2,153,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,782
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$166,814
−HK$5,113/mo
Today · 4.125%
HK$171,927
baseline
▲ 0.50% · 4.625%
HK$182,388
+HK$10,461/mo
Deposit HK$15.20M · loan HK$35.47M · min. income ≈ HK$343,854/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,153,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,981
−HK$9,724/mo
▼ 0.25% · 3.875%
HK$184,808
−HK$4,897/mo
Today · 4.125%
HK$189,705
baseline
▲ 0.50% · 4.625%
HK$199,704
+HK$9,999/mo
Deposit HK$15.20M · loan HK$35.47M · min. income ≈ HK$379,410/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,153,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,005
−HK$13,044/mo
▼ 0.25% · 3.875%
HK$214,475
−HK$6,574/mo
Today · 4.125%
HK$221,049
baseline
▲ 0.50% · 4.625%
HK$234,499
+HK$13,450/mo
Deposit HK$5.07M · loan HK$45.61M · min. income ≈ HK$442,098/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,153,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,404
−HK$12,502/mo
▼ 0.25% · 3.875%
HK$237,610
−HK$6,296/mo
Today · 4.125%
HK$243,906
baseline
▲ 0.50% · 4.625%
HK$256,762
+HK$12,856/mo
Deposit HK$5.07M · loan HK$45.61M · min. income ≈ HK$487,812/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,153,809 · Scale 2, in force from 26 Feb 2026)