LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,752
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,353
−HK$3,658/mo
Today · 4.125%
HK$123,011
baseline
▲ 0.50% · 4.625%
HK$130,496
+HK$7,485/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$246,022/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,773
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,227
−HK$3,504/mo
Today · 4.125%
HK$135,731
baseline
▲ 0.50% · 4.625%
HK$142,885
+HK$7,154/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$271,462/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,903
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$143,224
−HK$4,389/mo
Today · 4.125%
HK$147,613
baseline
▲ 0.50% · 4.625%
HK$156,595
+HK$8,982/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$295,226/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,157,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,528
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$158,673
−HK$4,204/mo
Today · 4.125%
HK$162,877
baseline
▲ 0.50% · 4.625%
HK$171,462
+HK$8,585/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$325,754/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,157,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,053
−HK$10,163/mo
▼ 0.25% · 3.875%
HK$167,094
−HK$5,122/mo
Today · 4.125%
HK$172,216
baseline
▲ 0.50% · 4.625%
HK$182,695
+HK$10,479/mo
Deposit HK$15.23M · loan HK$35.53M · min. income ≈ HK$344,432/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,283
−HK$9,740/mo
▼ 0.25% · 3.875%
HK$185,118
−HK$4,905/mo
Today · 4.125%
HK$190,023
baseline
▲ 0.50% · 4.625%
HK$200,039
+HK$10,016/mo
Deposit HK$15.23M · loan HK$35.53M · min. income ≈ HK$380,046/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,354
−HK$13,066/mo
▼ 0.25% · 3.875%
HK$214,835
−HK$6,585/mo
Today · 4.125%
HK$221,420
baseline
▲ 0.50% · 4.625%
HK$234,893
+HK$13,473/mo
Deposit HK$5.08M · loan HK$45.69M · min. income ≈ HK$442,840/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,157,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,792
−HK$12,523/mo
▼ 0.25% · 3.875%
HK$238,009
−HK$6,306/mo
Today · 4.125%
HK$244,315
baseline
▲ 0.50% · 4.625%
HK$257,193
+HK$12,878/mo
Deposit HK$5.08M · loan HK$45.69M · min. income ≈ HK$488,630/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,157,424 · Scale 2, in force from 26 Feb 2026)