LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,619
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,216
−HK$3,654/mo
Today · 4.125%
HK$122,870
baseline
▲ 0.50% · 4.625%
HK$130,346
+HK$7,476/mo
Deposit HK$25.35M · loan HK$25.35M · min. income ≈ HK$245,740/mo (50% DSR)
Upfront cash ≈ HK$27.51M (deposit + AVD stamp duty HK$2,154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,625
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,075
−HK$3,500/mo
Today · 4.125%
HK$135,575
baseline
▲ 0.50% · 4.625%
HK$142,721
+HK$7,146/mo
Deposit HK$25.35M · loan HK$25.35M · min. income ≈ HK$271,150/mo (50% DSR)
Upfront cash ≈ HK$27.51M (deposit + AVD stamp duty HK$2,154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,743
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$143,059
−HK$4,385/mo
Today · 4.125%
HK$147,444
baseline
▲ 0.50% · 4.625%
HK$156,415
+HK$8,971/mo
Deposit HK$20.28M · loan HK$30.42M · min. income ≈ HK$294,888/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,350
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$158,490
−HK$4,199/mo
Today · 4.125%
HK$162,689
baseline
▲ 0.50% · 4.625%
HK$171,265
+HK$8,576/mo
Deposit HK$20.28M · loan HK$30.42M · min. income ≈ HK$325,378/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,867
−HK$10,151/mo
▼ 0.25% · 3.875%
HK$166,902
−HK$5,116/mo
Today · 4.125%
HK$172,018
baseline
▲ 0.50% · 4.625%
HK$182,484
+HK$10,466/mo
Deposit HK$15.21M · loan HK$35.49M · min. income ≈ HK$344,036/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,075
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$184,905
−HK$4,899/mo
Today · 4.125%
HK$189,804
baseline
▲ 0.50% · 4.625%
HK$199,809
+HK$10,005/mo
Deposit HK$15.21M · loan HK$35.49M · min. income ≈ HK$379,608/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,115
−HK$13,050/mo
▼ 0.25% · 3.875%
HK$214,588
−HK$6,577/mo
Today · 4.125%
HK$221,165
baseline
▲ 0.50% · 4.625%
HK$234,623
+HK$13,458/mo
Deposit HK$5.07M · loan HK$45.63M · min. income ≈ HK$442,330/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,526
−HK$12,508/mo
▼ 0.25% · 3.875%
HK$237,735
−HK$6,299/mo
Today · 4.125%
HK$244,034
baseline
▲ 0.50% · 4.625%
HK$256,898
+HK$12,864/mo
Deposit HK$5.07M · loan HK$45.63M · min. income ≈ HK$488,068/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,154,943 · Scale 2, in force from 26 Feb 2026)