LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,968
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$123,700
−HK$3,791/mo
Today · 4.125%
HK$127,491
baseline
▲ 0.50% · 4.625%
HK$135,249
+HK$7,758/mo
Deposit HK$26.31M · loan HK$26.31M · min. income ≈ HK$254,982/mo (50% DSR)
Upfront cash ≈ HK$28.54M (deposit + AVD stamp duty HK$2,235,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,463
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$137,043
−HK$3,631/mo
Today · 4.125%
HK$140,674
baseline
▲ 0.50% · 4.625%
HK$148,089
+HK$7,415/mo
Deposit HK$26.31M · loan HK$26.31M · min. income ≈ HK$281,348/mo (50% DSR)
Upfront cash ≈ HK$28.54M (deposit + AVD stamp duty HK$2,235,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,962
−HK$9,027/mo
▼ 0.25% · 3.875%
HK$148,440
−HK$4,549/mo
Today · 4.125%
HK$152,989
baseline
▲ 0.50% · 4.625%
HK$162,298
+HK$9,309/mo
Deposit HK$21.04M · loan HK$31.57M · min. income ≈ HK$305,978/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$2,235,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,156
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$164,451
−HK$4,358/mo
Today · 4.125%
HK$168,809
baseline
▲ 0.50% · 4.625%
HK$177,707
+HK$8,898/mo
Deposit HK$21.04M · loan HK$31.57M · min. income ≈ HK$337,618/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$2,235,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,955
−HK$10,532/mo
▼ 0.25% · 3.875%
HK$173,180
−HK$5,307/mo
Today · 4.125%
HK$178,487
baseline
▲ 0.50% · 4.625%
HK$189,348
+HK$10,861/mo
Deposit HK$15.78M · loan HK$36.83M · min. income ≈ HK$356,974/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$2,235,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,848
−HK$10,095/mo
▼ 0.25% · 3.875%
HK$191,860
−HK$5,083/mo
Today · 4.125%
HK$196,943
baseline
▲ 0.50% · 4.625%
HK$207,324
+HK$10,381/mo
Deposit HK$15.78M · loan HK$36.83M · min. income ≈ HK$393,886/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$2,235,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,942
−HK$13,542/mo
▼ 0.25% · 3.875%
HK$222,659
−HK$6,825/mo
Today · 4.125%
HK$229,484
baseline
▲ 0.50% · 4.625%
HK$243,447
+HK$13,963/mo
Deposit HK$5.26M · loan HK$47.35M · min. income ≈ HK$458,968/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,235,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,234
−HK$12,979/mo
▼ 0.25% · 3.875%
HK$246,677
−HK$6,536/mo
Today · 4.125%
HK$253,213
baseline
▲ 0.50% · 4.625%
HK$266,560
+HK$13,347/mo
Deposit HK$5.26M · loan HK$47.35M · min. income ≈ HK$506,426/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,235,994 · Scale 2, in force from 26 Feb 2026)