LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,010
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,743
−HK$3,793/mo
Today · 4.125%
HK$127,536
baseline
▲ 0.50% · 4.625%
HK$135,296
+HK$7,760/mo
Deposit HK$26.32M · loan HK$26.32M · min. income ≈ HK$255,072/mo (50% DSR)
Upfront cash ≈ HK$28.55M (deposit + AVD stamp duty HK$2,236,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,510
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,091
−HK$3,633/mo
Today · 4.125%
HK$140,724
baseline
▲ 0.50% · 4.625%
HK$148,141
+HK$7,417/mo
Deposit HK$26.32M · loan HK$26.32M · min. income ≈ HK$281,448/mo (50% DSR)
Upfront cash ≈ HK$28.55M (deposit + AVD stamp duty HK$2,236,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,013
−HK$9,030/mo
▼ 0.25% · 3.875%
HK$148,492
−HK$4,551/mo
Today · 4.125%
HK$153,043
baseline
▲ 0.50% · 4.625%
HK$162,356
+HK$9,313/mo
Deposit HK$21.05M · loan HK$31.58M · min. income ≈ HK$306,086/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,236,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,212
−HK$8,656/mo
▼ 0.25% · 3.875%
HK$164,509
−HK$4,359/mo
Today · 4.125%
HK$168,868
baseline
▲ 0.50% · 4.625%
HK$177,770
+HK$8,902/mo
Deposit HK$21.05M · loan HK$31.58M · min. income ≈ HK$337,736/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,236,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,015
−HK$10,536/mo
▼ 0.25% · 3.875%
HK$173,241
−HK$5,310/mo
Today · 4.125%
HK$178,551
baseline
▲ 0.50% · 4.625%
HK$189,415
+HK$10,864/mo
Deposit HK$15.79M · loan HK$36.84M · min. income ≈ HK$357,102/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$2,236,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,915
−HK$10,098/mo
▼ 0.25% · 3.875%
HK$191,928
−HK$5,085/mo
Today · 4.125%
HK$197,013
baseline
▲ 0.50% · 4.625%
HK$207,398
+HK$10,385/mo
Deposit HK$15.79M · loan HK$36.84M · min. income ≈ HK$394,026/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$2,236,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,019
−HK$13,546/mo
▼ 0.25% · 3.875%
HK$222,738
−HK$6,827/mo
Today · 4.125%
HK$229,565
baseline
▲ 0.50% · 4.625%
HK$243,534
+HK$13,969/mo
Deposit HK$5.26M · loan HK$47.37M · min. income ≈ HK$459,130/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,236,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,319
−HK$12,983/mo
▼ 0.25% · 3.875%
HK$246,764
−HK$6,538/mo
Today · 4.125%
HK$253,302
baseline
▲ 0.50% · 4.625%
HK$266,654
+HK$13,352/mo
Deposit HK$5.26M · loan HK$47.37M · min. income ≈ HK$506,604/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,236,786 · Scale 2, in force from 26 Feb 2026)