LTV · monthly repayment
▼ 0.50% · 3.625%
HK$116,163
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,777
−HK$3,671/mo
Today · 4.125%
HK$123,448
baseline
▲ 0.50% · 4.625%
HK$130,959
+HK$7,511/mo
Deposit HK$25.47M · loan HK$25.47M · min. income ≈ HK$246,896/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,165,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,231
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,697
−HK$3,516/mo
Today · 4.125%
HK$136,213
baseline
▲ 0.50% · 4.625%
HK$143,393
+HK$7,180/mo
Deposit HK$25.47M · loan HK$25.47M · min. income ≈ HK$272,426/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,165,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,396
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$143,732
−HK$4,406/mo
Today · 4.125%
HK$148,138
baseline
▲ 0.50% · 4.625%
HK$157,151
+HK$9,013/mo
Deposit HK$20.38M · loan HK$30.57M · min. income ≈ HK$296,276/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$2,165,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,077
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$159,236
−HK$4,219/mo
Today · 4.125%
HK$163,455
baseline
▲ 0.50% · 4.625%
HK$172,071
+HK$8,616/mo
Deposit HK$20.38M · loan HK$30.57M · min. income ≈ HK$326,910/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$2,165,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,629
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$167,688
−HK$5,139/mo
Today · 4.125%
HK$172,827
baseline
▲ 0.50% · 4.625%
HK$183,343
+HK$10,516/mo
Deposit HK$15.28M · loan HK$35.66M · min. income ≈ HK$345,654/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,923
−HK$9,775/mo
▼ 0.25% · 3.875%
HK$185,775
−HK$4,923/mo
Today · 4.125%
HK$190,698
baseline
▲ 0.50% · 4.625%
HK$200,750
+HK$10,052/mo
Deposit HK$15.28M · loan HK$35.66M · min. income ≈ HK$381,396/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,094
−HK$13,112/mo
▼ 0.25% · 3.875%
HK$215,598
−HK$6,608/mo
Today · 4.125%
HK$222,206
baseline
▲ 0.50% · 4.625%
HK$235,727
+HK$13,521/mo
Deposit HK$5.09M · loan HK$45.85M · min. income ≈ HK$444,412/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,615
−HK$12,568/mo
▼ 0.25% · 3.875%
HK$238,854
−HK$6,329/mo
Today · 4.125%
HK$245,183
baseline
▲ 0.50% · 4.625%
HK$258,107
+HK$12,924/mo
Deposit HK$5.09M · loan HK$45.85M · min. income ≈ HK$490,366/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,085 · Scale 2, in force from 26 Feb 2026)