LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,564
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,283
−HK$3,779/mo
Today · 4.125%
HK$127,062
baseline
▲ 0.50% · 4.625%
HK$134,793
+HK$7,731/mo
Deposit HK$26.22M · loan HK$26.22M · min. income ≈ HK$254,124/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,014
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,581
−HK$3,619/mo
Today · 4.125%
HK$140,200
baseline
▲ 0.50% · 4.625%
HK$147,591
+HK$7,391/mo
Deposit HK$26.22M · loan HK$26.22M · min. income ≈ HK$280,400/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,477
−HK$8,997/mo
▼ 0.25% · 3.875%
HK$147,940
−HK$4,534/mo
Today · 4.125%
HK$152,474
baseline
▲ 0.50% · 4.625%
HK$161,752
+HK$9,278/mo
Deposit HK$20.97M · loan HK$31.46M · min. income ≈ HK$304,948/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$2,228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,617
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$163,898
−HK$4,342/mo
Today · 4.125%
HK$168,240
baseline
▲ 0.50% · 4.625%
HK$177,109
+HK$8,869/mo
Deposit HK$20.97M · loan HK$31.46M · min. income ≈ HK$336,480/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$2,228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,390
−HK$10,497/mo
▼ 0.25% · 3.875%
HK$172,597
−HK$5,290/mo
Today · 4.125%
HK$177,887
baseline
▲ 0.50% · 4.625%
HK$188,711
+HK$10,824/mo
Deposit HK$15.73M · loan HK$36.70M · min. income ≈ HK$355,774/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,220
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$191,214
−HK$5,067/mo
Today · 4.125%
HK$196,281
baseline
▲ 0.50% · 4.625%
HK$206,627
+HK$10,346/mo
Deposit HK$15.73M · loan HK$36.70M · min. income ≈ HK$392,562/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,216
−HK$13,496/mo
▼ 0.25% · 3.875%
HK$221,910
−HK$6,802/mo
Today · 4.125%
HK$228,712
baseline
▲ 0.50% · 4.625%
HK$242,628
+HK$13,916/mo
Deposit HK$5.24M · loan HK$47.19M · min. income ≈ HK$457,424/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,425
−HK$12,936/mo
▼ 0.25% · 3.875%
HK$245,847
−HK$6,514/mo
Today · 4.125%
HK$252,361
baseline
▲ 0.50% · 4.625%
HK$265,663
+HK$13,302/mo
Deposit HK$5.24M · loan HK$47.19M · min. income ≈ HK$504,722/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,228,469 · Scale 2, in force from 26 Feb 2026)