LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,026
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$123,760
−HK$3,793/mo
Today · 4.125%
HK$127,553
baseline
▲ 0.50% · 4.625%
HK$135,314
+HK$7,761/mo
Deposit HK$26.32M · loan HK$26.32M · min. income ≈ HK$255,106/mo (50% DSR)
Upfront cash ≈ HK$28.56M (deposit + AVD stamp duty HK$2,237,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,528
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,109
−HK$3,633/mo
Today · 4.125%
HK$140,742
baseline
▲ 0.50% · 4.625%
HK$148,161
+HK$7,419/mo
Deposit HK$26.32M · loan HK$26.32M · min. income ≈ HK$281,484/mo (50% DSR)
Upfront cash ≈ HK$28.56M (deposit + AVD stamp duty HK$2,237,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,032
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$148,512
−HK$4,552/mo
Today · 4.125%
HK$153,064
baseline
▲ 0.50% · 4.625%
HK$162,377
+HK$9,313/mo
Deposit HK$21.05M · loan HK$31.58M · min. income ≈ HK$306,128/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,237,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,234
−HK$8,657/mo
▼ 0.25% · 3.875%
HK$164,531
−HK$4,360/mo
Today · 4.125%
HK$168,891
baseline
▲ 0.50% · 4.625%
HK$177,793
+HK$8,902/mo
Deposit HK$21.05M · loan HK$31.58M · min. income ≈ HK$337,782/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,237,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,037
−HK$10,537/mo
▼ 0.25% · 3.875%
HK$173,264
−HK$5,310/mo
Today · 4.125%
HK$178,574
baseline
▲ 0.50% · 4.625%
HK$189,440
+HK$10,866/mo
Deposit HK$15.79M · loan HK$36.85M · min. income ≈ HK$357,148/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$2,237,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,939
−HK$10,100/mo
▼ 0.25% · 3.875%
HK$191,953
−HK$5,086/mo
Today · 4.125%
HK$197,039
baseline
▲ 0.50% · 4.625%
HK$207,425
+HK$10,386/mo
Deposit HK$15.79M · loan HK$36.85M · min. income ≈ HK$394,078/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$2,237,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,047
−HK$13,548/mo
▼ 0.25% · 3.875%
HK$222,768
−HK$6,827/mo
Today · 4.125%
HK$229,595
baseline
▲ 0.50% · 4.625%
HK$243,566
+HK$13,971/mo
Deposit HK$5.26M · loan HK$47.37M · min. income ≈ HK$459,190/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,237,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,350
−HK$12,986/mo
▼ 0.25% · 3.875%
HK$246,797
−HK$6,539/mo
Today · 4.125%
HK$253,336
baseline
▲ 0.50% · 4.625%
HK$266,690
+HK$13,354/mo
Deposit HK$5.26M · loan HK$47.37M · min. income ≈ HK$506,672/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,237,081 · Scale 2, in force from 26 Feb 2026)