LTV · monthly repayment
▼ 0.50% · 3.625%
HK$118,790
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$122,485
−HK$3,754/mo
Today · 4.125%
HK$126,239
baseline
▲ 0.50% · 4.625%
HK$133,920
+HK$7,681/mo
Deposit HK$26.05M · loan HK$26.05M · min. income ≈ HK$252,478/mo (50% DSR)
Upfront cash ≈ HK$28.26M (deposit + AVD stamp duty HK$2,214,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,152
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$135,696
−HK$3,596/mo
Today · 4.125%
HK$139,292
baseline
▲ 0.50% · 4.625%
HK$146,634
+HK$7,342/mo
Deposit HK$26.05M · loan HK$26.05M · min. income ≈ HK$278,584/mo (50% DSR)
Upfront cash ≈ HK$28.26M (deposit + AVD stamp duty HK$2,214,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,547
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$146,982
−HK$4,504/mo
Today · 4.125%
HK$151,486
baseline
▲ 0.50% · 4.625%
HK$160,704
+HK$9,218/mo
Deposit HK$20.84M · loan HK$31.26M · min. income ≈ HK$302,972/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,214,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,583
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$162,836
−HK$4,314/mo
Today · 4.125%
HK$167,150
baseline
▲ 0.50% · 4.625%
HK$175,961
+HK$8,811/mo
Deposit HK$20.84M · loan HK$31.26M · min. income ≈ HK$334,300/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,214,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,305
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$171,478
−HK$5,256/mo
Today · 4.125%
HK$176,734
baseline
▲ 0.50% · 4.625%
HK$187,488
+HK$10,754/mo
Deposit HK$15.63M · loan HK$36.47M · min. income ≈ HK$353,468/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,214,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,013
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$189,975
−HK$5,034/mo
Today · 4.125%
HK$195,009
baseline
▲ 0.50% · 4.625%
HK$205,288
+HK$10,279/mo
Deposit HK$15.63M · loan HK$36.47M · min. income ≈ HK$390,018/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,214,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,821
−HK$13,409/mo
▼ 0.25% · 3.875%
HK$220,472
−HK$6,758/mo
Today · 4.125%
HK$227,230
baseline
▲ 0.50% · 4.625%
HK$241,056
+HK$13,826/mo
Deposit HK$5.21M · loan HK$46.89M · min. income ≈ HK$454,460/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,214,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,874
−HK$12,852/mo
▼ 0.25% · 3.875%
HK$244,254
−HK$6,472/mo
Today · 4.125%
HK$250,726
baseline
▲ 0.50% · 4.625%
HK$263,942
+HK$13,216/mo
Deposit HK$5.21M · loan HK$46.89M · min. income ≈ HK$501,452/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,214,031 · Scale 2, in force from 26 Feb 2026)