LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,414
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$123,129
−HK$3,774/mo
Today · 4.125%
HK$126,903
baseline
▲ 0.50% · 4.625%
HK$134,624
+HK$7,721/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$253,806/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,847
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,410
−HK$3,614/mo
Today · 4.125%
HK$140,024
baseline
▲ 0.50% · 4.625%
HK$147,405
+HK$7,381/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$280,048/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,297
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$147,754
−HK$4,529/mo
Today · 4.125%
HK$152,283
baseline
▲ 0.50% · 4.625%
HK$161,549
+HK$9,266/mo
Deposit HK$20.95M · loan HK$31.42M · min. income ≈ HK$304,566/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,417
−HK$8,612/mo
▼ 0.25% · 3.875%
HK$163,692
−HK$4,337/mo
Today · 4.125%
HK$168,029
baseline
▲ 0.50% · 4.625%
HK$176,886
+HK$8,857/mo
Deposit HK$20.95M · loan HK$31.42M · min. income ≈ HK$336,058/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,180
−HK$10,484/mo
▼ 0.25% · 3.875%
HK$172,380
−HK$5,284/mo
Today · 4.125%
HK$177,664
baseline
▲ 0.50% · 4.625%
HK$188,474
+HK$10,810/mo
Deposit HK$15.71M · loan HK$36.66M · min. income ≈ HK$355,328/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$2,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,986
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$190,974
−HK$5,060/mo
Today · 4.125%
HK$196,034
baseline
▲ 0.50% · 4.625%
HK$206,367
+HK$10,333/mo
Deposit HK$15.71M · loan HK$36.66M · min. income ≈ HK$392,068/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$2,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,946
−HK$13,479/mo
▼ 0.25% · 3.875%
HK$221,632
−HK$6,793/mo
Today · 4.125%
HK$228,425
baseline
▲ 0.50% · 4.625%
HK$242,324
+HK$13,899/mo
Deposit HK$5.24M · loan HK$47.13M · min. income ≈ HK$456,850/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,125
−HK$12,919/mo
▼ 0.25% · 3.875%
HK$245,538
−HK$6,506/mo
Today · 4.125%
HK$252,044
baseline
▲ 0.50% · 4.625%
HK$265,330
+HK$13,286/mo
Deposit HK$5.24M · loan HK$47.13M · min. income ≈ HK$504,088/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,673 · Scale 2, in force from 26 Feb 2026)