LTV · monthly repayment
▼ 0.50% · 3.625%
HK$117,277
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$120,925
−HK$3,706/mo
Today · 4.125%
HK$124,631
baseline
▲ 0.50% · 4.625%
HK$132,214
+HK$7,583/mo
Deposit HK$25.72M · loan HK$25.72M · min. income ≈ HK$249,262/mo (50% DSR)
Upfront cash ≈ HK$27.90M (deposit + AVD stamp duty HK$2,185,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,469
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,968
−HK$3,550/mo
Today · 4.125%
HK$137,518
baseline
▲ 0.50% · 4.625%
HK$144,767
+HK$7,249/mo
Deposit HK$25.72M · loan HK$25.72M · min. income ≈ HK$275,036/mo (50% DSR)
Upfront cash ≈ HK$27.90M (deposit + AVD stamp duty HK$2,185,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,732
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$145,110
−HK$4,447/mo
Today · 4.125%
HK$149,557
baseline
▲ 0.50% · 4.625%
HK$158,657
+HK$9,100/mo
Deposit HK$20.57M · loan HK$30.86M · min. income ≈ HK$299,114/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,185,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,563
−HK$8,459/mo
▼ 0.25% · 3.875%
HK$160,762
−HK$4,260/mo
Today · 4.125%
HK$165,022
baseline
▲ 0.50% · 4.625%
HK$173,720
+HK$8,698/mo
Deposit HK$20.57M · loan HK$30.86M · min. income ≈ HK$330,044/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,185,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,187
−HK$10,296/mo
▼ 0.25% · 3.875%
HK$169,294
−HK$5,189/mo
Today · 4.125%
HK$174,483
baseline
▲ 0.50% · 4.625%
HK$185,100
+HK$10,617/mo
Deposit HK$15.43M · loan HK$36.00M · min. income ≈ HK$348,966/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$2,185,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,657
−HK$9,868/mo
▼ 0.25% · 3.875%
HK$187,556
−HK$4,969/mo
Today · 4.125%
HK$192,525
baseline
▲ 0.50% · 4.625%
HK$202,673
+HK$10,148/mo
Deposit HK$15.43M · loan HK$36.00M · min. income ≈ HK$385,050/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$2,185,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,098
−HK$13,238/mo
▼ 0.25% · 3.875%
HK$217,664
−HK$6,672/mo
Today · 4.125%
HK$224,336
baseline
▲ 0.50% · 4.625%
HK$237,986
+HK$13,650/mo
Deposit HK$5.14M · loan HK$46.29M · min. income ≈ HK$448,672/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,185,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,844
−HK$12,688/mo
▼ 0.25% · 3.875%
HK$241,143
−HK$6,389/mo
Today · 4.125%
HK$247,532
baseline
▲ 0.50% · 4.625%
HK$260,580
+HK$13,048/mo
Deposit HK$5.14M · loan HK$46.29M · min. income ≈ HK$495,064/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,185,833 · Scale 2, in force from 26 Feb 2026)