LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,670
−HK$7,253/mo
▼ 0.25% · 3.875%
HK$119,268
−HK$3,655/mo
Today · 4.125%
HK$122,923
baseline
▲ 0.50% · 4.625%
HK$130,403
+HK$7,480/mo
Deposit HK$25.36M · loan HK$25.36M · min. income ≈ HK$245,846/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,155,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,682
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,133
−HK$3,501/mo
Today · 4.125%
HK$135,634
baseline
▲ 0.50% · 4.625%
HK$142,783
+HK$7,149/mo
Deposit HK$25.36M · loan HK$25.36M · min. income ≈ HK$271,268/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,155,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,804
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$143,122
−HK$4,386/mo
Today · 4.125%
HK$147,508
baseline
▲ 0.50% · 4.625%
HK$156,484
+HK$8,976/mo
Deposit HK$20.29M · loan HK$30.44M · min. income ≈ HK$295,016/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,155,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,418
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,559
−HK$4,202/mo
Today · 4.125%
HK$162,761
baseline
▲ 0.50% · 4.625%
HK$171,340
+HK$8,579/mo
Deposit HK$20.29M · loan HK$30.44M · min. income ≈ HK$325,522/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,155,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,938
−HK$10,155/mo
▼ 0.25% · 3.875%
HK$166,975
−HK$5,118/mo
Today · 4.125%
HK$172,093
baseline
▲ 0.50% · 4.625%
HK$182,564
+HK$10,471/mo
Deposit HK$15.22M · loan HK$35.51M · min. income ≈ HK$344,186/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,155,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,154
−HK$9,734/mo
▼ 0.25% · 3.875%
HK$184,986
−HK$4,902/mo
Today · 4.125%
HK$189,888
baseline
▲ 0.50% · 4.625%
HK$199,897
+HK$10,009/mo
Deposit HK$15.22M · loan HK$35.51M · min. income ≈ HK$379,776/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,155,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,206
−HK$13,056/mo
▼ 0.25% · 3.875%
HK$214,682
−HK$6,580/mo
Today · 4.125%
HK$221,262
baseline
▲ 0.50% · 4.625%
HK$234,726
+HK$13,464/mo
Deposit HK$5.07M · loan HK$45.65M · min. income ≈ HK$442,524/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,155,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,627
−HK$12,514/mo
▼ 0.25% · 3.875%
HK$237,839
−HK$6,302/mo
Today · 4.125%
HK$244,141
baseline
▲ 0.50% · 4.625%
HK$257,010
+HK$12,869/mo
Deposit HK$5.07M · loan HK$45.65M · min. income ≈ HK$488,282/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,155,887 · Scale 2, in force from 26 Feb 2026)