LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,839
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$119,442
−HK$3,661/mo
Today · 4.125%
HK$123,103
baseline
▲ 0.50% · 4.625%
HK$130,594
+HK$7,491/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$246,206/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,159,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,870
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$132,326
−HK$3,506/mo
Today · 4.125%
HK$135,832
baseline
▲ 0.50% · 4.625%
HK$142,992
+HK$7,160/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$271,664/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,159,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,007
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$143,331
−HK$4,393/mo
Today · 4.125%
HK$147,724
baseline
▲ 0.50% · 4.625%
HK$156,712
+HK$8,988/mo
Deposit HK$20.32M · loan HK$30.48M · min. income ≈ HK$295,448/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,159,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,644
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$158,791
−HK$4,208/mo
Today · 4.125%
HK$162,999
baseline
▲ 0.50% · 4.625%
HK$171,590
+HK$8,591/mo
Deposit HK$20.32M · loan HK$30.48M · min. income ≈ HK$325,998/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,159,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,175
−HK$10,169/mo
▼ 0.25% · 3.875%
HK$167,219
−HK$5,125/mo
Today · 4.125%
HK$172,344
baseline
▲ 0.50% · 4.625%
HK$182,831
+HK$10,487/mo
Deposit HK$15.24M · loan HK$35.56M · min. income ≈ HK$344,688/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,418
−HK$9,747/mo
▼ 0.25% · 3.875%
HK$185,256
−HK$4,909/mo
Today · 4.125%
HK$190,165
baseline
▲ 0.50% · 4.625%
HK$200,189
+HK$10,024/mo
Deposit HK$15.24M · loan HK$35.56M · min. income ≈ HK$380,330/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,510
−HK$13,076/mo
▼ 0.25% · 3.875%
HK$214,996
−HK$6,590/mo
Today · 4.125%
HK$221,586
baseline
▲ 0.50% · 4.625%
HK$235,068
+HK$13,482/mo
Deposit HK$5.08M · loan HK$45.72M · min. income ≈ HK$443,172/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,965
−HK$12,533/mo
▼ 0.25% · 3.875%
HK$238,187
−HK$6,311/mo
Today · 4.125%
HK$244,498
baseline
▲ 0.50% · 4.625%
HK$257,386
+HK$12,888/mo
Deposit HK$5.08M · loan HK$45.72M · min. income ≈ HK$488,996/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,036 · Scale 2, in force from 26 Feb 2026)