LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,978
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$119,585
−HK$3,665/mo
Today · 4.125%
HK$123,250
baseline
▲ 0.50% · 4.625%
HK$130,750
+HK$7,500/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$246,500/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,024
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,484
−HK$3,511/mo
Today · 4.125%
HK$135,995
baseline
▲ 0.50% · 4.625%
HK$143,163
+HK$7,168/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$271,990/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,173
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,502
−HK$4,399/mo
Today · 4.125%
HK$147,901
baseline
▲ 0.50% · 4.625%
HK$156,900
+HK$8,999/mo
Deposit HK$20.34M · loan HK$30.52M · min. income ≈ HK$295,802/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,829
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$158,981
−HK$4,213/mo
Today · 4.125%
HK$163,194
baseline
▲ 0.50% · 4.625%
HK$171,796
+HK$8,602/mo
Deposit HK$20.34M · loan HK$30.52M · min. income ≈ HK$326,388/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,369
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$167,419
−HK$5,132/mo
Today · 4.125%
HK$172,551
baseline
▲ 0.50% · 4.625%
HK$183,050
+HK$10,499/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$345,102/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,633
−HK$9,760/mo
▼ 0.25% · 3.875%
HK$185,478
−HK$4,915/mo
Today · 4.125%
HK$190,393
baseline
▲ 0.50% · 4.625%
HK$200,428
+HK$10,035/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$380,786/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,760
−HK$13,091/mo
▼ 0.25% · 3.875%
HK$215,253
−HK$6,598/mo
Today · 4.125%
HK$221,851
baseline
▲ 0.50% · 4.625%
HK$235,350
+HK$13,499/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$443,702/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,243
−HK$12,547/mo
▼ 0.25% · 3.875%
HK$238,472
−HK$6,318/mo
Today · 4.125%
HK$244,790
baseline
▲ 0.50% · 4.625%
HK$257,694
+HK$12,904/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$489,580/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,621 · Scale 2, in force from 26 Feb 2026)