LTV · monthly repayment
▼ 0.50% · 3.625%
HK$118,676
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$122,368
−HK$3,750/mo
Today · 4.125%
HK$126,118
baseline
▲ 0.50% · 4.625%
HK$133,792
+HK$7,674/mo
Deposit HK$26.02M · loan HK$26.02M · min. income ≈ HK$252,236/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,211,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,026
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,567
−HK$3,592/mo
Today · 4.125%
HK$139,159
baseline
▲ 0.50% · 4.625%
HK$146,495
+HK$7,336/mo
Deposit HK$26.02M · loan HK$26.02M · min. income ≈ HK$278,318/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,211,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,412
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$146,841
−HK$4,501/mo
Today · 4.125%
HK$151,342
baseline
▲ 0.50% · 4.625%
HK$160,551
+HK$9,209/mo
Deposit HK$20.82M · loan HK$31.23M · min. income ≈ HK$302,684/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$2,211,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,432
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$162,681
−HK$4,310/mo
Today · 4.125%
HK$166,991
baseline
▲ 0.50% · 4.625%
HK$175,793
+HK$8,802/mo
Deposit HK$20.82M · loan HK$31.23M · min. income ≈ HK$333,982/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$2,211,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,147
−HK$10,419/mo
▼ 0.25% · 3.875%
HK$171,315
−HK$5,251/mo
Today · 4.125%
HK$176,566
baseline
▲ 0.50% · 4.625%
HK$187,309
+HK$10,743/mo
Deposit HK$15.61M · loan HK$36.43M · min. income ≈ HK$353,132/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$2,211,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,837
−HK$9,986/mo
▼ 0.25% · 3.875%
HK$189,794
−HK$5,029/mo
Today · 4.125%
HK$194,823
baseline
▲ 0.50% · 4.625%
HK$205,092
+HK$10,269/mo
Deposit HK$15.61M · loan HK$36.43M · min. income ≈ HK$389,646/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$2,211,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,617
−HK$13,396/mo
▼ 0.25% · 3.875%
HK$220,262
−HK$6,751/mo
Today · 4.125%
HK$227,013
baseline
▲ 0.50% · 4.625%
HK$240,826
+HK$13,813/mo
Deposit HK$5.20M · loan HK$46.84M · min. income ≈ HK$454,026/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,211,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,647
−HK$12,840/mo
▼ 0.25% · 3.875%
HK$244,021
−HK$6,466/mo
Today · 4.125%
HK$250,487
baseline
▲ 0.50% · 4.625%
HK$263,690
+HK$13,203/mo
Deposit HK$5.20M · loan HK$46.84M · min. income ≈ HK$500,974/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,211,921 · Scale 2, in force from 26 Feb 2026)