LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,596
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,316
−HK$3,780/mo
Today · 4.125%
HK$127,096
baseline
▲ 0.50% · 4.625%
HK$134,829
+HK$7,733/mo
Deposit HK$26.22M · loan HK$26.22M · min. income ≈ HK$254,192/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,229,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,049
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,618
−HK$3,620/mo
Today · 4.125%
HK$140,238
baseline
▲ 0.50% · 4.625%
HK$147,630
+HK$7,392/mo
Deposit HK$26.22M · loan HK$26.22M · min. income ≈ HK$280,476/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,229,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,515
−HK$9,000/mo
▼ 0.25% · 3.875%
HK$147,979
−HK$4,536/mo
Today · 4.125%
HK$152,515
baseline
▲ 0.50% · 4.625%
HK$161,795
+HK$9,280/mo
Deposit HK$20.98M · loan HK$31.47M · min. income ≈ HK$305,030/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$2,229,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,659
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$163,941
−HK$4,344/mo
Today · 4.125%
HK$168,285
baseline
▲ 0.50% · 4.625%
HK$177,156
+HK$8,871/mo
Deposit HK$20.98M · loan HK$31.47M · min. income ≈ HK$336,570/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$2,229,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,434
−HK$10,500/mo
▼ 0.25% · 3.875%
HK$172,643
−HK$5,291/mo
Today · 4.125%
HK$177,934
baseline
▲ 0.50% · 4.625%
HK$188,761
+HK$10,827/mo
Deposit HK$15.73M · loan HK$36.71M · min. income ≈ HK$355,868/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,229,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,269
−HK$10,064/mo
▼ 0.25% · 3.875%
HK$191,265
−HK$5,068/mo
Today · 4.125%
HK$196,333
baseline
▲ 0.50% · 4.625%
HK$206,682
+HK$10,349/mo
Deposit HK$15.73M · loan HK$36.71M · min. income ≈ HK$392,666/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,229,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,273
−HK$13,499/mo
▼ 0.25% · 3.875%
HK$221,969
−HK$6,803/mo
Today · 4.125%
HK$228,772
baseline
▲ 0.50% · 4.625%
HK$242,693
+HK$13,921/mo
Deposit HK$5.24M · loan HK$47.20M · min. income ≈ HK$457,544/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,229,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,489
−HK$12,939/mo
▼ 0.25% · 3.875%
HK$245,912
−HK$6,516/mo
Today · 4.125%
HK$252,428
baseline
▲ 0.50% · 4.625%
HK$265,734
+HK$13,306/mo
Deposit HK$5.24M · loan HK$47.20M · min. income ≈ HK$504,856/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,229,061 · Scale 2, in force from 26 Feb 2026)