LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,826
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$119,429
−HK$3,661/mo
Today · 4.125%
HK$123,090
baseline
▲ 0.50% · 4.625%
HK$130,579
+HK$7,489/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$246,180/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,158,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,856
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$132,312
−HK$3,505/mo
Today · 4.125%
HK$135,817
baseline
▲ 0.50% · 4.625%
HK$142,977
+HK$7,160/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$271,634/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,158,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,992
−HK$8,716/mo
▼ 0.25% · 3.875%
HK$143,315
−HK$4,393/mo
Today · 4.125%
HK$147,708
baseline
▲ 0.50% · 4.625%
HK$156,695
+HK$8,987/mo
Deposit HK$20.32M · loan HK$30.48M · min. income ≈ HK$295,416/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,158,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,627
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$158,774
−HK$4,207/mo
Today · 4.125%
HK$162,981
baseline
▲ 0.50% · 4.625%
HK$171,572
+HK$8,591/mo
Deposit HK$20.32M · loan HK$30.48M · min. income ≈ HK$325,962/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,158,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,157
−HK$10,169/mo
▼ 0.25% · 3.875%
HK$167,201
−HK$5,125/mo
Today · 4.125%
HK$172,326
baseline
▲ 0.50% · 4.625%
HK$182,811
+HK$10,485/mo
Deposit HK$15.24M · loan HK$35.56M · min. income ≈ HK$344,652/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,158,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,398
−HK$9,746/mo
▼ 0.25% · 3.875%
HK$185,236
−HK$4,908/mo
Today · 4.125%
HK$190,144
baseline
▲ 0.50% · 4.625%
HK$200,167
+HK$10,023/mo
Deposit HK$15.24M · loan HK$35.56M · min. income ≈ HK$380,288/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,158,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,488
−HK$13,074/mo
▼ 0.25% · 3.875%
HK$214,973
−HK$6,589/mo
Today · 4.125%
HK$221,562
baseline
▲ 0.50% · 4.625%
HK$235,043
+HK$13,481/mo
Deposit HK$5.08M · loan HK$45.72M · min. income ≈ HK$443,124/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,940
−HK$12,531/mo
▼ 0.25% · 3.875%
HK$238,161
−HK$6,310/mo
Today · 4.125%
HK$244,471
baseline
▲ 0.50% · 4.625%
HK$257,358
+HK$12,887/mo
Deposit HK$5.08M · loan HK$45.72M · min. income ≈ HK$488,942/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,803 · Scale 2, in force from 26 Feb 2026)