LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,132
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$122,838
−HK$3,765/mo
Today · 4.125%
HK$126,603
baseline
▲ 0.50% · 4.625%
HK$134,306
+HK$7,703/mo
Deposit HK$26.12M · loan HK$26.12M · min. income ≈ HK$253,206/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$2,220,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,533
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$136,088
−HK$3,606/mo
Today · 4.125%
HK$139,694
baseline
▲ 0.50% · 4.625%
HK$147,057
+HK$7,363/mo
Deposit HK$26.12M · loan HK$26.12M · min. income ≈ HK$279,388/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$2,220,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,959
−HK$8,964/mo
▼ 0.25% · 3.875%
HK$147,406
−HK$4,517/mo
Today · 4.125%
HK$151,923
baseline
▲ 0.50% · 4.625%
HK$161,168
+HK$9,245/mo
Deposit HK$20.90M · loan HK$31.35M · min. income ≈ HK$303,846/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,220,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,040
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$163,306
−HK$4,327/mo
Today · 4.125%
HK$167,633
baseline
▲ 0.50% · 4.625%
HK$176,469
+HK$8,836/mo
Deposit HK$20.90M · loan HK$31.35M · min. income ≈ HK$335,266/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,220,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,785
−HK$10,459/mo
▼ 0.25% · 3.875%
HK$171,973
−HK$5,271/mo
Today · 4.125%
HK$177,244
baseline
▲ 0.50% · 4.625%
HK$188,029
+HK$10,785/mo
Deposit HK$15.67M · loan HK$36.57M · min. income ≈ HK$354,488/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$2,220,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,547
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$190,523
−HK$5,048/mo
Today · 4.125%
HK$195,571
baseline
▲ 0.50% · 4.625%
HK$205,880
+HK$10,309/mo
Deposit HK$15.67M · loan HK$36.57M · min. income ≈ HK$391,142/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$2,220,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,438
−HK$13,447/mo
▼ 0.25% · 3.875%
HK$221,108
−HK$6,777/mo
Today · 4.125%
HK$227,885
baseline
▲ 0.50% · 4.625%
HK$241,752
+HK$13,867/mo
Deposit HK$5.22M · loan HK$47.02M · min. income ≈ HK$455,770/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,220,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,560
−HK$12,889/mo
▼ 0.25% · 3.875%
HK$244,958
−HK$6,491/mo
Today · 4.125%
HK$251,449
baseline
▲ 0.50% · 4.625%
HK$264,703
+HK$13,254/mo
Deposit HK$5.22M · loan HK$47.02M · min. income ≈ HK$502,898/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,220,418 · Scale 2, in force from 26 Feb 2026)