LTV · monthly repayment
▼ 0.50% · 3.625%
HK$116,114
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,726
−HK$3,670/mo
Today · 4.125%
HK$123,396
baseline
▲ 0.50% · 4.625%
HK$130,904
+HK$7,508/mo
Deposit HK$25.46M · loan HK$25.46M · min. income ≈ HK$246,792/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$2,164,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,176
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$132,641
−HK$3,514/mo
Today · 4.125%
HK$136,155
baseline
▲ 0.50% · 4.625%
HK$143,332
+HK$7,177/mo
Deposit HK$25.46M · loan HK$25.46M · min. income ≈ HK$272,310/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$2,164,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,337
−HK$8,738/mo
▼ 0.25% · 3.875%
HK$143,671
−HK$4,404/mo
Today · 4.125%
HK$148,075
baseline
▲ 0.50% · 4.625%
HK$157,085
+HK$9,010/mo
Deposit HK$20.37M · loan HK$30.55M · min. income ≈ HK$296,150/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$2,164,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,011
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$159,169
−HK$4,217/mo
Today · 4.125%
HK$163,386
baseline
▲ 0.50% · 4.625%
HK$171,998
+HK$8,612/mo
Deposit HK$20.37M · loan HK$30.55M · min. income ≈ HK$326,772/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$2,164,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,560
−HK$10,194/mo
▼ 0.25% · 3.875%
HK$167,617
−HK$5,137/mo
Today · 4.125%
HK$172,754
baseline
▲ 0.50% · 4.625%
HK$183,266
+HK$10,512/mo
Deposit HK$15.28M · loan HK$35.65M · min. income ≈ HK$345,508/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$2,164,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,847
−HK$9,770/mo
▼ 0.25% · 3.875%
HK$185,697
−HK$4,920/mo
Today · 4.125%
HK$190,617
baseline
▲ 0.50% · 4.625%
HK$200,665
+HK$10,048/mo
Deposit HK$15.28M · loan HK$35.65M · min. income ≈ HK$381,234/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$2,164,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,006
−HK$13,106/mo
▼ 0.25% · 3.875%
HK$215,507
−HK$6,605/mo
Today · 4.125%
HK$222,112
baseline
▲ 0.50% · 4.625%
HK$235,627
+HK$13,515/mo
Deposit HK$5.09M · loan HK$45.83M · min. income ≈ HK$444,224/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,164,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,517
−HK$12,562/mo
▼ 0.25% · 3.875%
HK$238,753
−HK$6,326/mo
Today · 4.125%
HK$245,079
baseline
▲ 0.50% · 4.625%
HK$257,998
+HK$12,919/mo
Deposit HK$5.09M · loan HK$45.83M · min. income ≈ HK$490,158/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,164,170 · Scale 2, in force from 26 Feb 2026)