LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,921
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,651
−HK$3,790/mo
Today · 4.125%
HK$127,441
baseline
▲ 0.50% · 4.625%
HK$135,196
+HK$7,755/mo
Deposit HK$26.30M · loan HK$26.30M · min. income ≈ HK$254,882/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,235,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,411
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$136,989
−HK$3,630/mo
Today · 4.125%
HK$140,619
baseline
▲ 0.50% · 4.625%
HK$148,031
+HK$7,412/mo
Deposit HK$26.30M · loan HK$26.30M · min. income ≈ HK$281,238/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,235,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,905
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$148,382
−HK$4,547/mo
Today · 4.125%
HK$152,929
baseline
▲ 0.50% · 4.625%
HK$162,235
+HK$9,306/mo
Deposit HK$21.04M · loan HK$31.55M · min. income ≈ HK$305,858/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$2,235,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,093
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$164,387
−HK$4,356/mo
Today · 4.125%
HK$168,743
baseline
▲ 0.50% · 4.625%
HK$177,637
+HK$8,894/mo
Deposit HK$21.04M · loan HK$31.55M · min. income ≈ HK$337,486/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$2,235,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,889
−HK$10,529/mo
▼ 0.25% · 3.875%
HK$173,112
−HK$5,306/mo
Today · 4.125%
HK$178,418
baseline
▲ 0.50% · 4.625%
HK$189,274
+HK$10,856/mo
Deposit HK$15.78M · loan HK$36.81M · min. income ≈ HK$356,836/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,235,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,775
−HK$10,091/mo
▼ 0.25% · 3.875%
HK$191,785
−HK$5,081/mo
Today · 4.125%
HK$196,866
baseline
▲ 0.50% · 4.625%
HK$207,243
+HK$10,377/mo
Deposit HK$15.78M · loan HK$36.81M · min. income ≈ HK$393,732/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,235,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,858
−HK$13,536/mo
▼ 0.25% · 3.875%
HK$222,572
−HK$6,822/mo
Today · 4.125%
HK$229,394
baseline
▲ 0.50% · 4.625%
HK$243,352
+HK$13,958/mo
Deposit HK$5.26M · loan HK$47.33M · min. income ≈ HK$458,788/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,235,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,140
−HK$12,974/mo
▼ 0.25% · 3.875%
HK$246,580
−HK$6,534/mo
Today · 4.125%
HK$253,114
baseline
▲ 0.50% · 4.625%
HK$266,456
+HK$13,342/mo
Deposit HK$5.26M · loan HK$47.33M · min. income ≈ HK$506,228/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,235,120 · Scale 2, in force from 26 Feb 2026)