LTV · monthly repayment
▼ 0.50% · 3.625%
HK$118,808
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$122,504
−HK$3,755/mo
Today · 4.125%
HK$126,259
baseline
▲ 0.50% · 4.625%
HK$133,941
+HK$7,682/mo
Deposit HK$26.05M · loan HK$26.05M · min. income ≈ HK$252,518/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,173
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,718
−HK$3,596/mo
Today · 4.125%
HK$139,314
baseline
▲ 0.50% · 4.625%
HK$146,658
+HK$7,344/mo
Deposit HK$26.05M · loan HK$26.05M · min. income ≈ HK$278,628/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,570
−HK$8,941/mo
▼ 0.25% · 3.875%
HK$147,005
−HK$4,506/mo
Today · 4.125%
HK$151,511
baseline
▲ 0.50% · 4.625%
HK$160,730
+HK$9,219/mo
Deposit HK$20.84M · loan HK$31.26M · min. income ≈ HK$303,022/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,608
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$162,862
−HK$4,315/mo
Today · 4.125%
HK$167,177
baseline
▲ 0.50% · 4.625%
HK$175,989
+HK$8,812/mo
Deposit HK$20.84M · loan HK$31.26M · min. income ≈ HK$334,354/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,332
−HK$10,430/mo
▼ 0.25% · 3.875%
HK$171,506
−HK$5,256/mo
Today · 4.125%
HK$176,762
baseline
▲ 0.50% · 4.625%
HK$187,518
+HK$10,756/mo
Deposit HK$15.63M · loan HK$36.47M · min. income ≈ HK$353,524/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,043
−HK$9,997/mo
▼ 0.25% · 3.875%
HK$190,005
−HK$5,035/mo
Today · 4.125%
HK$195,040
baseline
▲ 0.50% · 4.625%
HK$205,321
+HK$10,281/mo
Deposit HK$15.63M · loan HK$36.47M · min. income ≈ HK$390,080/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,855
−HK$13,411/mo
▼ 0.25% · 3.875%
HK$220,507
−HK$6,759/mo
Today · 4.125%
HK$227,266
baseline
▲ 0.50% · 4.625%
HK$241,094
+HK$13,828/mo
Deposit HK$5.21M · loan HK$46.89M · min. income ≈ HK$454,532/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,912
−HK$12,854/mo
▼ 0.25% · 3.875%
HK$244,293
−HK$6,473/mo
Today · 4.125%
HK$250,766
baseline
▲ 0.50% · 4.625%
HK$263,984
+HK$13,218/mo
Deposit HK$5.21M · loan HK$46.89M · min. income ≈ HK$501,532/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,214,383 · Scale 2, in force from 26 Feb 2026)