LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,980
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$119,588
−HK$3,665/mo
Today · 4.125%
HK$123,253
baseline
▲ 0.50% · 4.625%
HK$130,753
+HK$7,500/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$246,506/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,027
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,487
−HK$3,511/mo
Today · 4.125%
HK$135,998
baseline
▲ 0.50% · 4.625%
HK$143,166
+HK$7,168/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$271,996/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,176
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,506
−HK$4,398/mo
Today · 4.125%
HK$147,904
baseline
▲ 0.50% · 4.625%
HK$156,904
+HK$9,000/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$295,808/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,832
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$158,985
−HK$4,212/mo
Today · 4.125%
HK$163,197
baseline
▲ 0.50% · 4.625%
HK$171,800
+HK$8,603/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$326,394/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,372
−HK$10,183/mo
▼ 0.25% · 3.875%
HK$167,423
−HK$5,132/mo
Today · 4.125%
HK$172,555
baseline
▲ 0.50% · 4.625%
HK$183,054
+HK$10,499/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$345,110/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,638
−HK$9,759/mo
▼ 0.25% · 3.875%
HK$185,482
−HK$4,915/mo
Today · 4.125%
HK$190,397
baseline
▲ 0.50% · 4.625%
HK$200,433
+HK$10,036/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$380,794/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,765
−HK$13,091/mo
▼ 0.25% · 3.875%
HK$215,258
−HK$6,598/mo
Today · 4.125%
HK$221,856
baseline
▲ 0.50% · 4.625%
HK$235,355
+HK$13,499/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$443,712/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,248
−HK$12,548/mo
▼ 0.25% · 3.875%
HK$238,477
−HK$6,319/mo
Today · 4.125%
HK$244,796
baseline
▲ 0.50% · 4.625%
HK$257,700
+HK$12,904/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$489,592/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,671 · Scale 2, in force from 26 Feb 2026)