LTV · monthly repayment
▼ 0.50% · 3.625%
HK$116,160
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$119,773
−HK$3,671/mo
Today · 4.125%
HK$123,444
baseline
▲ 0.50% · 4.625%
HK$130,956
+HK$7,512/mo
Deposit HK$25.47M · loan HK$25.47M · min. income ≈ HK$246,888/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,165,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,227
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,693
−HK$3,516/mo
Today · 4.125%
HK$136,209
baseline
▲ 0.50% · 4.625%
HK$143,388
+HK$7,179/mo
Deposit HK$25.47M · loan HK$25.47M · min. income ≈ HK$272,418/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,165,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,392
−HK$8,741/mo
▼ 0.25% · 3.875%
HK$143,728
−HK$4,405/mo
Today · 4.125%
HK$148,133
baseline
▲ 0.50% · 4.625%
HK$157,147
+HK$9,014/mo
Deposit HK$20.38M · loan HK$30.56M · min. income ≈ HK$296,266/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$2,165,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,072
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$159,231
−HK$4,219/mo
Today · 4.125%
HK$163,450
baseline
▲ 0.50% · 4.625%
HK$172,066
+HK$8,616/mo
Deposit HK$20.38M · loan HK$30.56M · min. income ≈ HK$326,900/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$2,165,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,624
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$167,682
−HK$5,140/mo
Today · 4.125%
HK$172,822
baseline
▲ 0.50% · 4.625%
HK$183,338
+HK$10,516/mo
Deposit HK$15.28M · loan HK$35.66M · min. income ≈ HK$345,644/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,918
−HK$9,774/mo
▼ 0.25% · 3.875%
HK$185,770
−HK$4,922/mo
Today · 4.125%
HK$190,692
baseline
▲ 0.50% · 4.625%
HK$200,744
+HK$10,052/mo
Deposit HK$15.28M · loan HK$35.66M · min. income ≈ HK$381,384/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,088
−HK$13,112/mo
▼ 0.25% · 3.875%
HK$215,592
−HK$6,608/mo
Today · 4.125%
HK$222,200
baseline
▲ 0.50% · 4.625%
HK$235,720
+HK$13,520/mo
Deposit HK$5.09M · loan HK$45.85M · min. income ≈ HK$444,400/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,608
−HK$12,567/mo
▼ 0.25% · 3.875%
HK$238,847
−HK$6,328/mo
Today · 4.125%
HK$245,175
baseline
▲ 0.50% · 4.625%
HK$258,099
+HK$12,924/mo
Deposit HK$5.09M · loan HK$45.85M · min. income ≈ HK$490,350/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,019 · Scale 2, in force from 26 Feb 2026)