LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,939
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$123,670
−HK$3,790/mo
Today · 4.125%
HK$127,460
baseline
▲ 0.50% · 4.625%
HK$135,216
+HK$7,756/mo
Deposit HK$26.30M · loan HK$26.30M · min. income ≈ HK$254,920/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,431
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$137,010
−HK$3,630/mo
Today · 4.125%
HK$140,640
baseline
▲ 0.50% · 4.625%
HK$148,053
+HK$7,413/mo
Deposit HK$26.30M · loan HK$26.30M · min. income ≈ HK$281,280/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,927
−HK$9,025/mo
▼ 0.25% · 3.875%
HK$148,404
−HK$4,548/mo
Today · 4.125%
HK$152,952
baseline
▲ 0.50% · 4.625%
HK$162,259
+HK$9,307/mo
Deposit HK$21.04M · loan HK$31.56M · min. income ≈ HK$305,904/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$2,235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,117
−HK$8,651/mo
▼ 0.25% · 3.875%
HK$164,411
−HK$4,357/mo
Today · 4.125%
HK$168,768
baseline
▲ 0.50% · 4.625%
HK$177,664
+HK$8,896/mo
Deposit HK$21.04M · loan HK$31.56M · min. income ≈ HK$337,536/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$2,235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,915
−HK$10,529/mo
▼ 0.25% · 3.875%
HK$173,138
−HK$5,306/mo
Today · 4.125%
HK$178,444
baseline
▲ 0.50% · 4.625%
HK$189,302
+HK$10,858/mo
Deposit HK$15.78M · loan HK$36.82M · min. income ≈ HK$356,888/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$2,235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,803
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$191,813
−HK$5,083/mo
Today · 4.125%
HK$196,896
baseline
▲ 0.50% · 4.625%
HK$207,274
+HK$10,378/mo
Deposit HK$15.78M · loan HK$36.82M · min. income ≈ HK$393,792/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$2,235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,890
−HK$13,539/mo
▼ 0.25% · 3.875%
HK$222,606
−HK$6,823/mo
Today · 4.125%
HK$229,429
baseline
▲ 0.50% · 4.625%
HK$243,389
+HK$13,960/mo
Deposit HK$5.26M · loan HK$47.34M · min. income ≈ HK$458,858/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,176
−HK$12,976/mo
▼ 0.25% · 3.875%
HK$246,617
−HK$6,535/mo
Today · 4.125%
HK$253,152
baseline
▲ 0.50% · 4.625%
HK$266,496
+HK$13,344/mo
Deposit HK$5.26M · loan HK$47.34M · min. income ≈ HK$506,304/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,235,455 · Scale 2, in force from 26 Feb 2026)