LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,927
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,657
−HK$3,790/mo
Today · 4.125%
HK$127,447
baseline
▲ 0.50% · 4.625%
HK$135,202
+HK$7,755/mo
Deposit HK$26.30M · loan HK$26.30M · min. income ≈ HK$254,894/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,417
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$136,996
−HK$3,630/mo
Today · 4.125%
HK$140,626
baseline
▲ 0.50% · 4.625%
HK$148,038
+HK$7,412/mo
Deposit HK$26.30M · loan HK$26.30M · min. income ≈ HK$281,252/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,912
−HK$9,025/mo
▼ 0.25% · 3.875%
HK$148,389
−HK$4,548/mo
Today · 4.125%
HK$152,937
baseline
▲ 0.50% · 4.625%
HK$162,243
+HK$9,306/mo
Deposit HK$21.04M · loan HK$31.56M · min. income ≈ HK$305,874/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$2,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,101
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$164,395
−HK$4,356/mo
Today · 4.125%
HK$168,751
baseline
▲ 0.50% · 4.625%
HK$177,646
+HK$8,895/mo
Deposit HK$21.04M · loan HK$31.56M · min. income ≈ HK$337,502/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$2,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,898
−HK$10,528/mo
▼ 0.25% · 3.875%
HK$173,120
−HK$5,306/mo
Today · 4.125%
HK$178,426
baseline
▲ 0.50% · 4.625%
HK$189,283
+HK$10,857/mo
Deposit HK$15.78M · loan HK$36.82M · min. income ≈ HK$356,852/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,784
−HK$10,092/mo
▼ 0.25% · 3.875%
HK$191,794
−HK$5,082/mo
Today · 4.125%
HK$196,876
baseline
▲ 0.50% · 4.625%
HK$207,253
+HK$10,377/mo
Deposit HK$15.78M · loan HK$36.82M · min. income ≈ HK$393,752/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,868
−HK$13,537/mo
▼ 0.25% · 3.875%
HK$222,583
−HK$6,822/mo
Today · 4.125%
HK$229,405
baseline
▲ 0.50% · 4.625%
HK$243,364
+HK$13,959/mo
Deposit HK$5.26M · loan HK$47.33M · min. income ≈ HK$458,810/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,235,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,151
−HK$12,975/mo
▼ 0.25% · 3.875%
HK$246,592
−HK$6,534/mo
Today · 4.125%
HK$253,126
baseline
▲ 0.50% · 4.625%
HK$266,469
+HK$13,343/mo
Deposit HK$5.26M · loan HK$47.33M · min. income ≈ HK$506,252/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,235,229 · Scale 2, in force from 26 Feb 2026)