LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,507
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$123,224
−HK$3,777/mo
Today · 4.125%
HK$127,001
baseline
▲ 0.50% · 4.625%
HK$134,728
+HK$7,727/mo
Deposit HK$26.20M · loan HK$26.20M · min. income ≈ HK$254,002/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,227,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,950
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,516
−HK$3,617/mo
Today · 4.125%
HK$140,133
baseline
▲ 0.50% · 4.625%
HK$147,519
+HK$7,386/mo
Deposit HK$26.20M · loan HK$26.20M · min. income ≈ HK$280,266/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,227,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,408
−HK$8,993/mo
▼ 0.25% · 3.875%
HK$147,869
−HK$4,532/mo
Today · 4.125%
HK$152,401
baseline
▲ 0.50% · 4.625%
HK$161,674
+HK$9,273/mo
Deposit HK$20.96M · loan HK$31.45M · min. income ≈ HK$304,802/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,227,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,540
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$163,819
−HK$4,340/mo
Today · 4.125%
HK$168,159
baseline
▲ 0.50% · 4.625%
HK$177,023
+HK$8,864/mo
Deposit HK$20.96M · loan HK$31.45M · min. income ≈ HK$336,318/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,227,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,309
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$172,514
−HK$5,287/mo
Today · 4.125%
HK$177,801
baseline
▲ 0.50% · 4.625%
HK$188,620
+HK$10,819/mo
Deposit HK$15.72M · loan HK$36.69M · min. income ≈ HK$355,602/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$2,227,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,130
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$191,122
−HK$5,064/mo
Today · 4.125%
HK$196,186
baseline
▲ 0.50% · 4.625%
HK$206,527
+HK$10,341/mo
Deposit HK$15.72M · loan HK$36.69M · min. income ≈ HK$392,372/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$2,227,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,112
−HK$13,489/mo
▼ 0.25% · 3.875%
HK$221,803
−HK$6,798/mo
Today · 4.125%
HK$228,601
baseline
▲ 0.50% · 4.625%
HK$242,511
+HK$13,910/mo
Deposit HK$5.24M · loan HK$47.17M · min. income ≈ HK$457,202/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,227,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,310
−HK$12,929/mo
▼ 0.25% · 3.875%
HK$245,728
−HK$6,511/mo
Today · 4.125%
HK$252,239
baseline
▲ 0.50% · 4.625%
HK$265,535
+HK$13,296/mo
Deposit HK$5.24M · loan HK$47.17M · min. income ≈ HK$504,478/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,227,395 · Scale 2, in force from 26 Feb 2026)