LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,688
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,286
−HK$3,657/mo
Today · 4.125%
HK$122,943
baseline
▲ 0.50% · 4.625%
HK$130,423
+HK$7,480/mo
Deposit HK$25.37M · loan HK$25.37M · min. income ≈ HK$245,886/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,156,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,702
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,153
−HK$3,502/mo
Today · 4.125%
HK$135,655
baseline
▲ 0.50% · 4.625%
HK$142,806
+HK$7,151/mo
Deposit HK$25.37M · loan HK$25.37M · min. income ≈ HK$271,310/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,156,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,825
−HK$8,706/mo
▼ 0.25% · 3.875%
HK$143,144
−HK$4,387/mo
Today · 4.125%
HK$147,531
baseline
▲ 0.50% · 4.625%
HK$156,508
+HK$8,977/mo
Deposit HK$20.29M · loan HK$30.44M · min. income ≈ HK$295,062/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,156,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,442
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$158,584
−HK$4,202/mo
Today · 4.125%
HK$162,786
baseline
▲ 0.50% · 4.625%
HK$171,367
+HK$8,581/mo
Deposit HK$20.29M · loan HK$30.44M · min. income ≈ HK$325,572/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,156,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,963
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$167,001
−HK$5,119/mo
Today · 4.125%
HK$172,120
baseline
▲ 0.50% · 4.625%
HK$182,593
+HK$10,473/mo
Deposit HK$15.22M · loan HK$35.51M · min. income ≈ HK$344,240/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,156,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,182
−HK$9,735/mo
▼ 0.25% · 3.875%
HK$185,015
−HK$4,902/mo
Today · 4.125%
HK$189,917
baseline
▲ 0.50% · 4.625%
HK$199,928
+HK$10,011/mo
Deposit HK$15.22M · loan HK$35.51M · min. income ≈ HK$379,834/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,156,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,238
−HK$13,059/mo
▼ 0.25% · 3.875%
HK$214,716
−HK$6,581/mo
Today · 4.125%
HK$221,297
baseline
▲ 0.50% · 4.625%
HK$234,762
+HK$13,465/mo
Deposit HK$5.07M · loan HK$45.66M · min. income ≈ HK$442,594/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,156,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,663
−HK$12,516/mo
▼ 0.25% · 3.875%
HK$237,876
−HK$6,303/mo
Today · 4.125%
HK$244,179
baseline
▲ 0.50% · 4.625%
HK$257,050
+HK$12,871/mo
Deposit HK$5.07M · loan HK$45.66M · min. income ≈ HK$488,358/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,156,221 · Scale 2, in force from 26 Feb 2026)