LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,757
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,358
−HK$3,658/mo
Today · 4.125%
HK$123,016
baseline
▲ 0.50% · 4.625%
HK$130,501
+HK$7,485/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$246,032/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,779
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,232
−HK$3,504/mo
Today · 4.125%
HK$135,736
baseline
▲ 0.50% · 4.625%
HK$142,891
+HK$7,155/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$271,472/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,909
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$143,229
−HK$4,390/mo
Today · 4.125%
HK$147,619
baseline
▲ 0.50% · 4.625%
HK$156,602
+HK$8,983/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$295,238/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,157,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,534
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$158,679
−HK$4,204/mo
Today · 4.125%
HK$162,883
baseline
▲ 0.50% · 4.625%
HK$171,469
+HK$8,586/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$325,766/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,157,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,060
−HK$10,163/mo
▼ 0.25% · 3.875%
HK$167,101
−HK$5,122/mo
Today · 4.125%
HK$172,223
baseline
▲ 0.50% · 4.625%
HK$182,702
+HK$10,479/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$344,446/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,290
−HK$9,741/mo
▼ 0.25% · 3.875%
HK$185,125
−HK$4,906/mo
Today · 4.125%
HK$190,031
baseline
▲ 0.50% · 4.625%
HK$200,047
+HK$10,016/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$380,062/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,363
−HK$13,066/mo
▼ 0.25% · 3.875%
HK$214,844
−HK$6,585/mo
Today · 4.125%
HK$221,429
baseline
▲ 0.50% · 4.625%
HK$234,902
+HK$13,473/mo
Deposit HK$5.08M · loan HK$45.69M · min. income ≈ HK$442,858/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,157,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,802
−HK$12,523/mo
▼ 0.25% · 3.875%
HK$238,018
−HK$6,307/mo
Today · 4.125%
HK$244,325
baseline
▲ 0.50% · 4.625%
HK$257,204
+HK$12,879/mo
Deposit HK$5.08M · loan HK$45.69M · min. income ≈ HK$488,650/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,157,511 · Scale 2, in force from 26 Feb 2026)