LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,731
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,331
−HK$3,658/mo
Today · 4.125%
HK$122,989
baseline
▲ 0.50% · 4.625%
HK$130,472
+HK$7,483/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$245,978/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,157,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,750
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,203
−HK$3,503/mo
Today · 4.125%
HK$135,706
baseline
▲ 0.50% · 4.625%
HK$142,859
+HK$7,153/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$271,412/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,157,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,877
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,197
−HK$4,389/mo
Today · 4.125%
HK$147,586
baseline
▲ 0.50% · 4.625%
HK$156,567
+HK$8,981/mo
Deposit HK$20.30M · loan HK$30.45M · min. income ≈ HK$295,172/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,157,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,500
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$158,643
−HK$4,204/mo
Today · 4.125%
HK$162,847
baseline
▲ 0.50% · 4.625%
HK$171,431
+HK$8,584/mo
Deposit HK$20.30M · loan HK$30.45M · min. income ≈ HK$325,694/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,157,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,024
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$167,064
−HK$5,120/mo
Today · 4.125%
HK$172,184
baseline
▲ 0.50% · 4.625%
HK$182,661
+HK$10,477/mo
Deposit HK$15.23M · loan HK$35.53M · min. income ≈ HK$344,368/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,157,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,250
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$185,084
−HK$4,904/mo
Today · 4.125%
HK$189,988
baseline
▲ 0.50% · 4.625%
HK$200,003
+HK$10,015/mo
Deposit HK$15.23M · loan HK$35.53M · min. income ≈ HK$379,976/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,157,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,316
−HK$13,063/mo
▼ 0.25% · 3.875%
HK$214,796
−HK$6,583/mo
Today · 4.125%
HK$221,379
baseline
▲ 0.50% · 4.625%
HK$234,850
+HK$13,471/mo
Deposit HK$5.08M · loan HK$45.68M · min. income ≈ HK$442,758/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,157,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,750
−HK$12,520/mo
▼ 0.25% · 3.875%
HK$237,965
−HK$6,305/mo
Today · 4.125%
HK$244,270
baseline
▲ 0.50% · 4.625%
HK$257,146
+HK$12,876/mo
Deposit HK$5.08M · loan HK$45.68M · min. income ≈ HK$488,540/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,157,028 · Scale 2, in force from 26 Feb 2026)