LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,843
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$119,446
−HK$3,661/mo
Today · 4.125%
HK$123,107
baseline
▲ 0.50% · 4.625%
HK$130,598
+HK$7,491/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$246,214/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,159,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,874
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$132,331
−HK$3,506/mo
Today · 4.125%
HK$135,837
baseline
▲ 0.50% · 4.625%
HK$142,997
+HK$7,160/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$271,674/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,159,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,012
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$143,336
−HK$4,393/mo
Today · 4.125%
HK$147,729
baseline
▲ 0.50% · 4.625%
HK$156,718
+HK$8,989/mo
Deposit HK$20.32M · loan HK$30.48M · min. income ≈ HK$295,458/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,159,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,649
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$158,797
−HK$4,207/mo
Today · 4.125%
HK$163,004
baseline
▲ 0.50% · 4.625%
HK$171,596
+HK$8,592/mo
Deposit HK$20.32M · loan HK$30.48M · min. income ≈ HK$326,008/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,159,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,180
−HK$10,170/mo
▼ 0.25% · 3.875%
HK$167,225
−HK$5,125/mo
Today · 4.125%
HK$172,350
baseline
▲ 0.50% · 4.625%
HK$182,837
+HK$10,487/mo
Deposit HK$15.24M · loan HK$35.56M · min. income ≈ HK$344,700/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,424
−HK$9,748/mo
▼ 0.25% · 3.875%
HK$185,263
−HK$4,909/mo
Today · 4.125%
HK$190,172
baseline
▲ 0.50% · 4.625%
HK$200,196
+HK$10,024/mo
Deposit HK$15.24M · loan HK$35.56M · min. income ≈ HK$380,344/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,517
−HK$13,076/mo
▼ 0.25% · 3.875%
HK$215,004
−HK$6,589/mo
Today · 4.125%
HK$221,593
baseline
▲ 0.50% · 4.625%
HK$235,077
+HK$13,484/mo
Deposit HK$5.08M · loan HK$45.72M · min. income ≈ HK$443,186/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,974
−HK$12,532/mo
▼ 0.25% · 3.875%
HK$238,195
−HK$6,311/mo
Today · 4.125%
HK$244,506
baseline
▲ 0.50% · 4.625%
HK$257,395
+HK$12,889/mo
Deposit HK$5.08M · loan HK$45.72M · min. income ≈ HK$489,012/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,112 · Scale 2, in force from 26 Feb 2026)