LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,457
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$124,204
−HK$3,807/mo
Today · 4.125%
HK$128,011
baseline
▲ 0.50% · 4.625%
HK$135,800
+HK$7,789/mo
Deposit HK$26.41M · loan HK$26.41M · min. income ≈ HK$256,022/mo (50% DSR)
Upfront cash ≈ HK$28.66M (deposit + AVD stamp duty HK$2,245,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,007
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,602
−HK$3,646/mo
Today · 4.125%
HK$141,248
baseline
▲ 0.50% · 4.625%
HK$148,693
+HK$7,445/mo
Deposit HK$26.41M · loan HK$26.41M · min. income ≈ HK$282,496/mo (50% DSR)
Upfront cash ≈ HK$28.66M (deposit + AVD stamp duty HK$2,245,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,549
−HK$9,064/mo
▼ 0.25% · 3.875%
HK$149,045
−HK$4,568/mo
Today · 4.125%
HK$153,613
baseline
▲ 0.50% · 4.625%
HK$162,960
+HK$9,347/mo
Deposit HK$21.13M · loan HK$31.70M · min. income ≈ HK$307,226/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,245,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,809
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$165,122
−HK$4,375/mo
Today · 4.125%
HK$169,497
baseline
▲ 0.50% · 4.625%
HK$178,431
+HK$8,934/mo
Deposit HK$21.13M · loan HK$31.70M · min. income ≈ HK$338,994/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,245,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,640
−HK$10,575/mo
▼ 0.25% · 3.875%
HK$173,886
−HK$5,329/mo
Today · 4.125%
HK$179,215
baseline
▲ 0.50% · 4.625%
HK$190,120
+HK$10,905/mo
Deposit HK$15.85M · loan HK$36.98M · min. income ≈ HK$358,430/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,245,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,610
−HK$10,137/mo
▼ 0.25% · 3.875%
HK$192,642
−HK$5,105/mo
Today · 4.125%
HK$197,747
baseline
▲ 0.50% · 4.625%
HK$208,170
+HK$10,423/mo
Deposit HK$15.85M · loan HK$36.98M · min. income ≈ HK$395,494/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,245,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,823
−HK$13,597/mo
▼ 0.25% · 3.875%
HK$223,568
−HK$6,852/mo
Today · 4.125%
HK$230,420
baseline
▲ 0.50% · 4.625%
HK$244,440
+HK$14,020/mo
Deposit HK$5.28M · loan HK$47.54M · min. income ≈ HK$460,840/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,245,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,213
−HK$13,033/mo
▼ 0.25% · 3.875%
HK$247,683
−HK$6,563/mo
Today · 4.125%
HK$254,246
baseline
▲ 0.50% · 4.625%
HK$267,647
+HK$13,401/mo
Deposit HK$5.28M · loan HK$47.54M · min. income ≈ HK$508,492/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,245,114 · Scale 2, in force from 26 Feb 2026)