LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,815
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,417
−HK$3,660/mo
Today · 4.125%
HK$123,077
baseline
▲ 0.50% · 4.625%
HK$130,566
+HK$7,489/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$246,154/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,158,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,843
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$132,298
−HK$3,506/mo
Today · 4.125%
HK$135,804
baseline
▲ 0.50% · 4.625%
HK$142,962
+HK$7,158/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$271,608/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,158,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,978
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,301
−HK$4,392/mo
Today · 4.125%
HK$147,693
baseline
▲ 0.50% · 4.625%
HK$156,680
+HK$8,987/mo
Deposit HK$20.32M · loan HK$30.47M · min. income ≈ HK$295,386/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,158,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,611
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,758
−HK$4,206/mo
Today · 4.125%
HK$162,964
baseline
▲ 0.50% · 4.625%
HK$171,555
+HK$8,591/mo
Deposit HK$20.32M · loan HK$30.47M · min. income ≈ HK$325,928/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,158,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,141
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$167,184
−HK$5,124/mo
Today · 4.125%
HK$172,308
baseline
▲ 0.50% · 4.625%
HK$182,793
+HK$10,485/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$344,616/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,158,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,380
−HK$9,745/mo
▼ 0.25% · 3.875%
HK$185,218
−HK$4,907/mo
Today · 4.125%
HK$190,125
baseline
▲ 0.50% · 4.625%
HK$200,147
+HK$10,022/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$380,250/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,158,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,467
−HK$13,072/mo
▼ 0.25% · 3.875%
HK$214,951
−HK$6,588/mo
Today · 4.125%
HK$221,539
baseline
▲ 0.50% · 4.625%
HK$235,019
+HK$13,480/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$443,078/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,917
−HK$12,530/mo
▼ 0.25% · 3.875%
HK$238,137
−HK$6,310/mo
Today · 4.125%
HK$244,447
baseline
▲ 0.50% · 4.625%
HK$257,332
+HK$12,885/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$488,894/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,586 · Scale 2, in force from 26 Feb 2026)