LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,735
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$119,335
−HK$3,657/mo
Today · 4.125%
HK$122,992
baseline
▲ 0.50% · 4.625%
HK$130,476
+HK$7,484/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$245,984/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,157,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,754
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,207
−HK$3,503/mo
Today · 4.125%
HK$135,710
baseline
▲ 0.50% · 4.625%
HK$142,863
+HK$7,153/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$271,420/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,157,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,882
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,202
−HK$4,389/mo
Today · 4.125%
HK$147,591
baseline
▲ 0.50% · 4.625%
HK$156,571
+HK$8,980/mo
Deposit HK$20.30M · loan HK$30.45M · min. income ≈ HK$295,182/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,157,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,504
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,648
−HK$4,204/mo
Today · 4.125%
HK$162,852
baseline
▲ 0.50% · 4.625%
HK$171,436
+HK$8,584/mo
Deposit HK$20.30M · loan HK$30.45M · min. income ≈ HK$325,704/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,157,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,029
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$167,069
−HK$5,120/mo
Today · 4.125%
HK$172,189
baseline
▲ 0.50% · 4.625%
HK$182,666
+HK$10,477/mo
Deposit HK$15.23M · loan HK$35.53M · min. income ≈ HK$344,378/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,157,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,255
−HK$9,739/mo
▼ 0.25% · 3.875%
HK$185,089
−HK$4,905/mo
Today · 4.125%
HK$189,994
baseline
▲ 0.50% · 4.625%
HK$200,009
+HK$10,015/mo
Deposit HK$15.23M · loan HK$35.53M · min. income ≈ HK$379,988/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,157,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,322
−HK$13,064/mo
▼ 0.25% · 3.875%
HK$214,802
−HK$6,584/mo
Today · 4.125%
HK$221,386
baseline
▲ 0.50% · 4.625%
HK$234,857
+HK$13,471/mo
Deposit HK$5.08M · loan HK$45.68M · min. income ≈ HK$442,772/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,157,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,757
−HK$12,521/mo
▼ 0.25% · 3.875%
HK$237,972
−HK$6,306/mo
Today · 4.125%
HK$244,278
baseline
▲ 0.50% · 4.625%
HK$257,154
+HK$12,876/mo
Deposit HK$5.08M · loan HK$45.68M · min. income ≈ HK$488,556/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,157,092 · Scale 2, in force from 26 Feb 2026)