LTV · monthly repayment
▼ 0.50% · 3.625%
HK$116,495
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,118
−HK$3,682/mo
Today · 4.125%
HK$123,800
baseline
▲ 0.50% · 4.625%
HK$131,333
+HK$7,533/mo
Deposit HK$25.54M · loan HK$25.54M · min. income ≈ HK$247,600/mo (50% DSR)
Upfront cash ≈ HK$27.72M (deposit + AVD stamp duty HK$2,171,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,599
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,075
−HK$3,526/mo
Today · 4.125%
HK$136,601
baseline
▲ 0.50% · 4.625%
HK$143,801
+HK$7,200/mo
Deposit HK$25.54M · loan HK$25.54M · min. income ≈ HK$273,202/mo (50% DSR)
Upfront cash ≈ HK$27.72M (deposit + AVD stamp duty HK$2,171,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,794
−HK$8,766/mo
▼ 0.25% · 3.875%
HK$144,142
−HK$4,418/mo
Today · 4.125%
HK$148,560
baseline
▲ 0.50% · 4.625%
HK$157,599
+HK$9,039/mo
Deposit HK$20.44M · loan HK$30.65M · min. income ≈ HK$297,120/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$2,171,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,519
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$159,690
−HK$4,231/mo
Today · 4.125%
HK$163,921
baseline
▲ 0.50% · 4.625%
HK$172,562
+HK$8,641/mo
Deposit HK$20.44M · loan HK$30.65M · min. income ≈ HK$327,842/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$2,171,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,093
−HK$10,227/mo
▼ 0.25% · 3.875%
HK$168,166
−HK$5,154/mo
Today · 4.125%
HK$173,320
baseline
▲ 0.50% · 4.625%
HK$183,866
+HK$10,546/mo
Deposit HK$15.33M · loan HK$35.76M · min. income ≈ HK$346,640/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$2,171,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,439
−HK$9,802/mo
▼ 0.25% · 3.875%
HK$186,305
−HK$4,936/mo
Today · 4.125%
HK$191,241
baseline
▲ 0.50% · 4.625%
HK$201,322
+HK$10,081/mo
Deposit HK$15.33M · loan HK$35.76M · min. income ≈ HK$382,482/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$2,171,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,690
−HK$13,150/mo
▼ 0.25% · 3.875%
HK$216,213
−HK$6,627/mo
Today · 4.125%
HK$222,840
baseline
▲ 0.50% · 4.625%
HK$236,399
+HK$13,559/mo
Deposit HK$5.11M · loan HK$45.98M · min. income ≈ HK$445,680/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,171,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,278
−HK$12,604/mo
▼ 0.25% · 3.875%
HK$239,535
−HK$6,347/mo
Today · 4.125%
HK$245,882
baseline
▲ 0.50% · 4.625%
HK$258,843
+HK$12,961/mo
Deposit HK$5.11M · loan HK$45.98M · min. income ≈ HK$491,764/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,171,258 · Scale 2, in force from 26 Feb 2026)