LTV · monthly repayment
▼ 0.50% · 3.625%
HK$116,210
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$119,825
−HK$3,673/mo
Today · 4.125%
HK$123,498
baseline
▲ 0.50% · 4.625%
HK$131,012
+HK$7,514/mo
Deposit HK$25.48M · loan HK$25.48M · min. income ≈ HK$246,996/mo (50% DSR)
Upfront cash ≈ HK$27.65M (deposit + AVD stamp duty HK$2,165,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,283
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,750
−HK$3,517/mo
Today · 4.125%
HK$136,267
baseline
▲ 0.50% · 4.625%
HK$143,450
+HK$7,183/mo
Deposit HK$25.48M · loan HK$25.48M · min. income ≈ HK$272,534/mo (50% DSR)
Upfront cash ≈ HK$27.65M (deposit + AVD stamp duty HK$2,165,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,452
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$143,790
−HK$4,407/mo
Today · 4.125%
HK$148,197
baseline
▲ 0.50% · 4.625%
HK$157,215
+HK$9,018/mo
Deposit HK$20.39M · loan HK$30.58M · min. income ≈ HK$296,394/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,165,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,139
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$159,300
−HK$4,221/mo
Today · 4.125%
HK$163,521
baseline
▲ 0.50% · 4.625%
HK$172,140
+HK$8,619/mo
Deposit HK$20.39M · loan HK$30.58M · min. income ≈ HK$327,042/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,165,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,694
−HK$10,203/mo
▼ 0.25% · 3.875%
HK$167,755
−HK$5,142/mo
Today · 4.125%
HK$172,897
baseline
▲ 0.50% · 4.625%
HK$183,417
+HK$10,520/mo
Deposit HK$15.29M · loan HK$35.67M · min. income ≈ HK$345,794/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$2,165,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,996
−HK$9,778/mo
▼ 0.25% · 3.875%
HK$185,850
−HK$4,924/mo
Today · 4.125%
HK$190,774
baseline
▲ 0.50% · 4.625%
HK$200,830
+HK$10,056/mo
Deposit HK$15.29M · loan HK$35.67M · min. income ≈ HK$381,548/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$2,165,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,178
−HK$13,118/mo
▼ 0.25% · 3.875%
HK$215,685
−HK$6,611/mo
Today · 4.125%
HK$222,296
baseline
▲ 0.50% · 4.625%
HK$235,822
+HK$13,526/mo
Deposit HK$5.10M · loan HK$45.87M · min. income ≈ HK$444,592/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,709
−HK$12,572/mo
▼ 0.25% · 3.875%
HK$238,950
−HK$6,331/mo
Today · 4.125%
HK$245,281
baseline
▲ 0.50% · 4.625%
HK$258,210
+HK$12,929/mo
Deposit HK$5.10M · loan HK$45.87M · min. income ≈ HK$490,562/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,955 · Scale 2, in force from 26 Feb 2026)