LTV · monthly repayment
▼ 0.50% · 3.625%
HK$118,268
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$121,947
−HK$3,738/mo
Today · 4.125%
HK$125,685
baseline
▲ 0.50% · 4.625%
HK$133,332
+HK$7,647/mo
Deposit HK$25.93M · loan HK$25.93M · min. income ≈ HK$251,370/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,204,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,572
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,101
−HK$3,580/mo
Today · 4.125%
HK$138,681
baseline
▲ 0.50% · 4.625%
HK$145,991
+HK$7,310/mo
Deposit HK$25.93M · loan HK$25.93M · min. income ≈ HK$277,362/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,204,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,922
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$146,337
−HK$4,485/mo
Today · 4.125%
HK$150,822
baseline
▲ 0.50% · 4.625%
HK$159,999
+HK$9,177/mo
Deposit HK$20.75M · loan HK$31.12M · min. income ≈ HK$301,644/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$2,204,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,887
−HK$8,530/mo
▼ 0.25% · 3.875%
HK$162,121
−HK$4,296/mo
Today · 4.125%
HK$166,417
baseline
▲ 0.50% · 4.625%
HK$175,189
+HK$8,772/mo
Deposit HK$20.75M · loan HK$31.12M · min. income ≈ HK$332,834/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$2,204,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,576
−HK$10,383/mo
▼ 0.25% · 3.875%
HK$170,726
−HK$5,233/mo
Today · 4.125%
HK$175,959
baseline
▲ 0.50% · 4.625%
HK$186,665
+HK$10,706/mo
Deposit HK$15.56M · loan HK$36.31M · min. income ≈ HK$351,918/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$2,204,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,201
−HK$9,952/mo
▼ 0.25% · 3.875%
HK$189,141
−HK$5,012/mo
Today · 4.125%
HK$194,153
baseline
▲ 0.50% · 4.625%
HK$204,387
+HK$10,234/mo
Deposit HK$15.56M · loan HK$36.31M · min. income ≈ HK$388,306/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$2,204,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,883
−HK$13,350/mo
▼ 0.25% · 3.875%
HK$219,505
−HK$6,728/mo
Today · 4.125%
HK$226,233
baseline
▲ 0.50% · 4.625%
HK$239,998
+HK$13,765/mo
Deposit HK$5.19M · loan HK$46.68M · min. income ≈ HK$452,466/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,204,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,830
−HK$12,795/mo
▼ 0.25% · 3.875%
HK$243,182
−HK$6,443/mo
Today · 4.125%
HK$249,625
baseline
▲ 0.50% · 4.625%
HK$262,783
+HK$13,158/mo
Deposit HK$5.19M · loan HK$46.68M · min. income ≈ HK$499,250/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,204,315 · Scale 2, in force from 26 Feb 2026)