LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,586
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,181
−HK$3,653/mo
Today · 4.125%
HK$122,834
baseline
▲ 0.50% · 4.625%
HK$130,308
+HK$7,474/mo
Deposit HK$25.34M · loan HK$25.34M · min. income ≈ HK$245,668/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,588
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,037
−HK$3,498/mo
Today · 4.125%
HK$135,535
baseline
▲ 0.50% · 4.625%
HK$142,680
+HK$7,145/mo
Deposit HK$25.34M · loan HK$25.34M · min. income ≈ HK$271,070/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,703
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$143,018
−HK$4,383/mo
Today · 4.125%
HK$147,401
baseline
▲ 0.50% · 4.625%
HK$156,370
+HK$8,969/mo
Deposit HK$20.28M · loan HK$30.41M · min. income ≈ HK$294,802/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,306
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$158,444
−HK$4,199/mo
Today · 4.125%
HK$162,643
baseline
▲ 0.50% · 4.625%
HK$171,216
+HK$8,573/mo
Deposit HK$20.28M · loan HK$30.41M · min. income ≈ HK$325,286/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,820
−HK$10,148/mo
▼ 0.25% · 3.875%
HK$166,854
−HK$5,114/mo
Today · 4.125%
HK$171,968
baseline
▲ 0.50% · 4.625%
HK$182,432
+HK$10,464/mo
Deposit HK$15.21M · loan HK$35.48M · min. income ≈ HK$343,936/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,023
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$184,852
−HK$4,898/mo
Today · 4.125%
HK$189,750
baseline
▲ 0.50% · 4.625%
HK$199,752
+HK$10,002/mo
Deposit HK$15.21M · loan HK$35.48M · min. income ≈ HK$379,500/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,055
−HK$13,047/mo
▼ 0.25% · 3.875%
HK$214,526
−HK$6,576/mo
Today · 4.125%
HK$221,102
baseline
▲ 0.50% · 4.625%
HK$234,555
+HK$13,453/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$442,204/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,459
−HK$12,505/mo
▼ 0.25% · 3.875%
HK$237,666
−HK$6,298/mo
Today · 4.125%
HK$243,964
baseline
▲ 0.50% · 4.625%
HK$256,823
+HK$12,859/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$487,928/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,321 · Scale 2, in force from 26 Feb 2026)