LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,773
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,374
−HK$3,659/mo
Today · 4.125%
HK$123,033
baseline
▲ 0.50% · 4.625%
HK$130,520
+HK$7,487/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$246,066/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,797
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,251
−HK$3,504/mo
Today · 4.125%
HK$135,755
baseline
▲ 0.50% · 4.625%
HK$142,911
+HK$7,156/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$271,510/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,928
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$143,249
−HK$4,391/mo
Today · 4.125%
HK$147,640
baseline
▲ 0.50% · 4.625%
HK$156,623
+HK$8,983/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$295,280/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,157,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,556
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,701
−HK$4,205/mo
Today · 4.125%
HK$162,906
baseline
▲ 0.50% · 4.625%
HK$171,493
+HK$8,587/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$325,812/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,157,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,083
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$167,124
−HK$5,123/mo
Today · 4.125%
HK$172,247
baseline
▲ 0.50% · 4.625%
HK$182,727
+HK$10,480/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$344,494/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,315
−HK$9,742/mo
▼ 0.25% · 3.875%
HK$185,151
−HK$4,906/mo
Today · 4.125%
HK$190,057
baseline
▲ 0.50% · 4.625%
HK$200,075
+HK$10,018/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$380,114/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,392
−HK$13,068/mo
▼ 0.25% · 3.875%
HK$214,874
−HK$6,586/mo
Today · 4.125%
HK$221,460
baseline
▲ 0.50% · 4.625%
HK$234,935
+HK$13,475/mo
Deposit HK$5.08M · loan HK$45.69M · min. income ≈ HK$442,920/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,157,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,834
−HK$12,525/mo
▼ 0.25% · 3.875%
HK$238,052
−HK$6,307/mo
Today · 4.125%
HK$244,359
baseline
▲ 0.50% · 4.625%
HK$257,240
+HK$12,881/mo
Deposit HK$5.08M · loan HK$45.69M · min. income ≈ HK$488,718/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,157,812 · Scale 2, in force from 26 Feb 2026)