LTV · monthly repayment
▼ 0.50% · 3.625%
HK$117,329
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$120,979
−HK$3,708/mo
Today · 4.125%
HK$124,687
baseline
▲ 0.50% · 4.625%
HK$132,274
+HK$7,587/mo
Deposit HK$25.73M · loan HK$25.73M · min. income ≈ HK$249,374/mo (50% DSR)
Upfront cash ≈ HK$27.91M (deposit + AVD stamp duty HK$2,186,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,528
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$134,028
−HK$3,552/mo
Today · 4.125%
HK$137,580
baseline
▲ 0.50% · 4.625%
HK$144,832
+HK$7,252/mo
Deposit HK$25.73M · loan HK$25.73M · min. income ≈ HK$275,160/mo (50% DSR)
Upfront cash ≈ HK$27.91M (deposit + AVD stamp duty HK$2,186,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,795
−HK$8,829/mo
▼ 0.25% · 3.875%
HK$145,175
−HK$4,449/mo
Today · 4.125%
HK$149,624
baseline
▲ 0.50% · 4.625%
HK$158,729
+HK$9,105/mo
Deposit HK$20.58M · loan HK$30.87M · min. income ≈ HK$299,248/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$2,186,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,633
−HK$8,463/mo
▼ 0.25% · 3.875%
HK$160,834
−HK$4,262/mo
Today · 4.125%
HK$165,096
baseline
▲ 0.50% · 4.625%
HK$173,798
+HK$8,702/mo
Deposit HK$20.58M · loan HK$30.87M · min. income ≈ HK$330,192/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$2,186,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,261
−HK$10,301/mo
▼ 0.25% · 3.875%
HK$169,371
−HK$5,191/mo
Today · 4.125%
HK$174,562
baseline
▲ 0.50% · 4.625%
HK$185,183
+HK$10,621/mo
Deposit HK$15.44M · loan HK$36.02M · min. income ≈ HK$349,124/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$2,186,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,739
−HK$9,873/mo
▼ 0.25% · 3.875%
HK$187,640
−HK$4,972/mo
Today · 4.125%
HK$192,612
baseline
▲ 0.50% · 4.625%
HK$202,765
+HK$10,153/mo
Deposit HK$15.44M · loan HK$36.02M · min. income ≈ HK$385,224/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$2,186,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,193
−HK$13,244/mo
▼ 0.25% · 3.875%
HK$217,762
−HK$6,675/mo
Today · 4.125%
HK$224,437
baseline
▲ 0.50% · 4.625%
HK$238,093
+HK$13,656/mo
Deposit HK$5.15M · loan HK$46.31M · min. income ≈ HK$448,874/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,186,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,950
−HK$12,694/mo
▼ 0.25% · 3.875%
HK$241,251
−HK$6,393/mo
Today · 4.125%
HK$247,644
baseline
▲ 0.50% · 4.625%
HK$260,697
+HK$13,053/mo
Deposit HK$5.15M · loan HK$46.31M · min. income ≈ HK$495,288/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,186,816 · Scale 2, in force from 26 Feb 2026)