LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,458
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,205
−HK$3,806/mo
Today · 4.125%
HK$128,011
baseline
▲ 0.50% · 4.625%
HK$135,801
+HK$7,790/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$2,245,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,008
−HK$7,240/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$2,245,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,549
−HK$9,065/mo
▼ 0.25% · 3.875%
HK$149,046
−HK$4,568/mo
Today · 4.125%
HK$153,614
baseline
▲ 0.50% · 4.625%
HK$162,961
+HK$9,347/mo
Deposit HK$21.13M · loan HK$31.70M · min. income ≈ HK$307,228/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,245,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,810
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$165,122
−HK$4,376/mo
Today · 4.125%
HK$169,498
baseline
▲ 0.50% · 4.625%
HK$178,432
+HK$8,934/mo
Deposit HK$21.13M · loan HK$31.70M · min. income ≈ HK$338,996/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,245,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,641
−HK$10,575/mo
▼ 0.25% · 3.875%
HK$173,886
−HK$5,330/mo
Today · 4.125%
HK$179,216
baseline
▲ 0.50% · 4.625%
HK$190,121
+HK$10,905/mo
Deposit HK$15.85M · loan HK$36.98M · min. income ≈ HK$358,432/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,245,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,611
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$192,643
−HK$5,104/mo
Today · 4.125%
HK$197,747
baseline
▲ 0.50% · 4.625%
HK$208,171
+HK$10,424/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$2,245,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,824
−HK$13,597/mo
▼ 0.25% · 3.875%
HK$223,568
−HK$6,853/mo
Today · 4.125%
HK$230,421
baseline
▲ 0.50% · 4.625%
HK$244,441
+HK$14,020/mo
Deposit HK$5.28M · loan HK$47.54M · min. income ≈ HK$460,842/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,245,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,214
−HK$13,032/mo
▼ 0.25% · 3.875%
HK$247,684
−HK$6,562/mo
Today · 4.125%
HK$254,246
baseline
▲ 0.50% · 4.625%
HK$267,648
+HK$13,402/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$2,245,121 · Scale 2, in force from 26 Feb 2026)