LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,818
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$119,421
−HK$3,660/mo
Today · 4.125%
HK$123,081
baseline
▲ 0.50% · 4.625%
HK$130,570
+HK$7,489/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$246,162/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,158,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,846
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$132,302
−HK$3,506/mo
Today · 4.125%
HK$135,808
baseline
▲ 0.50% · 4.625%
HK$142,966
+HK$7,158/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$271,616/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,158,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,982
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,305
−HK$4,392/mo
Today · 4.125%
HK$147,697
baseline
▲ 0.50% · 4.625%
HK$156,684
+HK$8,987/mo
Deposit HK$20.32M · loan HK$30.47M · min. income ≈ HK$295,394/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,158,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,616
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,762
−HK$4,207/mo
Today · 4.125%
HK$162,969
baseline
▲ 0.50% · 4.625%
HK$171,559
+HK$8,590/mo
Deposit HK$20.32M · loan HK$30.47M · min. income ≈ HK$325,938/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,158,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,145
−HK$10,168/mo
▼ 0.25% · 3.875%
HK$167,189
−HK$5,124/mo
Today · 4.125%
HK$172,313
baseline
▲ 0.50% · 4.625%
HK$182,798
+HK$10,485/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$344,626/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,158,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,385
−HK$9,746/mo
▼ 0.25% · 3.875%
HK$185,223
−HK$4,908/mo
Today · 4.125%
HK$190,131
baseline
▲ 0.50% · 4.625%
HK$200,153
+HK$10,022/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$380,262/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,158,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,472
−HK$13,073/mo
▼ 0.25% · 3.875%
HK$214,957
−HK$6,588/mo
Today · 4.125%
HK$221,545
baseline
▲ 0.50% · 4.625%
HK$235,026
+HK$13,481/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$443,090/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,923
−HK$12,531/mo
▼ 0.25% · 3.875%
HK$238,143
−HK$6,311/mo
Today · 4.125%
HK$244,454
baseline
▲ 0.50% · 4.625%
HK$257,339
+HK$12,885/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$488,908/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,645 · Scale 2, in force from 26 Feb 2026)