LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,705
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,460
−HK$3,814/mo
Today · 4.125%
HK$128,274
baseline
▲ 0.50% · 4.625%
HK$136,079
+HK$7,805/mo
Deposit HK$26.47M · loan HK$26.47M · min. income ≈ HK$256,548/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$2,249,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,283
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,885
−HK$3,653/mo
Today · 4.125%
HK$141,538
baseline
▲ 0.50% · 4.625%
HK$148,999
+HK$7,461/mo
Deposit HK$26.47M · loan HK$26.47M · min. income ≈ HK$283,076/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$2,249,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,846
−HK$9,083/mo
▼ 0.25% · 3.875%
HK$149,352
−HK$4,577/mo
Today · 4.125%
HK$153,929
baseline
▲ 0.50% · 4.625%
HK$163,295
+HK$9,366/mo
Deposit HK$21.17M · loan HK$31.76M · min. income ≈ HK$307,858/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,249,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,140
−HK$8,706/mo
▼ 0.25% · 3.875%
HK$165,461
−HK$4,385/mo
Today · 4.125%
HK$169,846
baseline
▲ 0.50% · 4.625%
HK$178,798
+HK$8,952/mo
Deposit HK$21.17M · loan HK$31.76M · min. income ≈ HK$339,692/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,249,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,987
−HK$10,597/mo
▼ 0.25% · 3.875%
HK$174,243
−HK$5,341/mo
Today · 4.125%
HK$179,584
baseline
▲ 0.50% · 4.625%
HK$190,511
+HK$10,927/mo
Deposit HK$15.88M · loan HK$37.05M · min. income ≈ HK$359,168/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,249,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,996
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$193,038
−HK$5,115/mo
Today · 4.125%
HK$198,153
baseline
▲ 0.50% · 4.625%
HK$208,598
+HK$10,445/mo
Deposit HK$15.88M · loan HK$37.05M · min. income ≈ HK$396,306/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,249,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,269
−HK$13,625/mo
▼ 0.25% · 3.875%
HK$224,027
−HK$6,867/mo
Today · 4.125%
HK$230,894
baseline
▲ 0.50% · 4.625%
HK$244,943
+HK$14,049/mo
Deposit HK$5.29M · loan HK$47.64M · min. income ≈ HK$461,788/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,249,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,710
−HK$13,058/mo
▼ 0.25% · 3.875%
HK$248,192
−HK$6,576/mo
Today · 4.125%
HK$254,768
baseline
▲ 0.50% · 4.625%
HK$268,198
+HK$13,430/mo
Deposit HK$5.29M · loan HK$47.64M · min. income ≈ HK$509,536/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,249,731 · Scale 2, in force from 26 Feb 2026)