LTV · monthly repayment
▼ 0.50% · 3.625%
HK$116,965
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$120,603
−HK$3,697/mo
Today · 4.125%
HK$124,300
baseline
▲ 0.50% · 4.625%
HK$131,863
+HK$7,563/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$248,600/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,180,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,122
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,612
−HK$3,540/mo
Today · 4.125%
HK$137,152
baseline
▲ 0.50% · 4.625%
HK$144,382
+HK$7,230/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$274,304/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,180,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,358
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,724
−HK$4,436/mo
Today · 4.125%
HK$149,160
baseline
▲ 0.50% · 4.625%
HK$158,236
+HK$9,076/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$298,320/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,180,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,147
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,335
−HK$4,248/mo
Today · 4.125%
HK$164,583
baseline
▲ 0.50% · 4.625%
HK$173,258
+HK$8,675/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$329,166/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,180,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,751
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$168,845
−HK$5,175/mo
Today · 4.125%
HK$174,020
baseline
▲ 0.50% · 4.625%
HK$184,608
+HK$10,588/mo
Deposit HK$15.39M · loan HK$35.91M · min. income ≈ HK$348,040/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,171
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$187,057
−HK$4,956/mo
Today · 4.125%
HK$192,013
baseline
▲ 0.50% · 4.625%
HK$202,135
+HK$10,122/mo
Deposit HK$15.39M · loan HK$35.91M · min. income ≈ HK$384,026/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,537
−HK$13,202/mo
▼ 0.25% · 3.875%
HK$217,086
−HK$6,653/mo
Today · 4.125%
HK$223,739
baseline
▲ 0.50% · 4.625%
HK$237,353
+HK$13,614/mo
Deposit HK$5.13M · loan HK$46.17M · min. income ≈ HK$447,478/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,220
−HK$12,654/mo
▼ 0.25% · 3.875%
HK$240,502
−HK$6,372/mo
Today · 4.125%
HK$246,874
baseline
▲ 0.50% · 4.625%
HK$259,887
+HK$13,013/mo
Deposit HK$5.13M · loan HK$46.17M · min. income ≈ HK$493,748/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,023 · Scale 2, in force from 26 Feb 2026)