LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,411
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,156
−HK$3,806/mo
Today · 4.125%
HK$127,962
baseline
▲ 0.50% · 4.625%
HK$135,748
+HK$7,786/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$255,924/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,956
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,549
−HK$3,644/mo
Today · 4.125%
HK$141,193
baseline
▲ 0.50% · 4.625%
HK$148,636
+HK$7,443/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$282,386/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,493
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$148,988
−HK$4,566/mo
Today · 4.125%
HK$153,554
baseline
▲ 0.50% · 4.625%
HK$162,898
+HK$9,344/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$307,108/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,747
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$165,058
−HK$4,374/mo
Today · 4.125%
HK$169,432
baseline
▲ 0.50% · 4.625%
HK$178,363
+HK$8,931/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$338,864/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,575
−HK$10,571/mo
▼ 0.25% · 3.875%
HK$173,819
−HK$5,327/mo
Today · 4.125%
HK$179,146
baseline
▲ 0.50% · 4.625%
HK$190,047
+HK$10,901/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$358,292/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,538
−HK$10,132/mo
▼ 0.25% · 3.875%
HK$192,568
−HK$5,102/mo
Today · 4.125%
HK$197,670
baseline
▲ 0.50% · 4.625%
HK$208,090
+HK$10,420/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$395,340/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,740
−HK$13,591/mo
▼ 0.25% · 3.875%
HK$223,482
−HK$6,849/mo
Today · 4.125%
HK$230,331
baseline
▲ 0.50% · 4.625%
HK$244,346
+HK$14,015/mo
Deposit HK$5.28M · loan HK$47.53M · min. income ≈ HK$460,662/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,121
−HK$13,027/mo
▼ 0.25% · 3.875%
HK$247,587
−HK$6,561/mo
Today · 4.125%
HK$254,148
baseline
▲ 0.50% · 4.625%
HK$267,544
+HK$13,396/mo
Deposit HK$5.28M · loan HK$47.53M · min. income ≈ HK$508,296/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,244,250 · Scale 2, in force from 26 Feb 2026)