LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,750
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,506
−HK$3,816/mo
Today · 4.125%
HK$128,322
baseline
▲ 0.50% · 4.625%
HK$136,130
+HK$7,808/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$256,644/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,333
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$137,936
−HK$3,654/mo
Today · 4.125%
HK$141,590
baseline
▲ 0.50% · 4.625%
HK$149,054
+HK$7,464/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$283,180/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,900
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$149,407
−HK$4,579/mo
Today · 4.125%
HK$153,986
baseline
▲ 0.50% · 4.625%
HK$163,356
+HK$9,370/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$307,972/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,199
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$165,523
−HK$4,386/mo
Today · 4.125%
HK$169,909
baseline
▲ 0.50% · 4.625%
HK$178,865
+HK$8,956/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$339,818/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,050
−HK$10,601/mo
▼ 0.25% · 3.875%
HK$174,308
−HK$5,343/mo
Today · 4.125%
HK$179,651
baseline
▲ 0.50% · 4.625%
HK$190,582
+HK$10,931/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$359,302/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,066
−HK$10,161/mo
▼ 0.25% · 3.875%
HK$193,110
−HK$5,117/mo
Today · 4.125%
HK$198,227
baseline
▲ 0.50% · 4.625%
HK$208,675
+HK$10,448/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$396,454/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,350
−HK$13,629/mo
▼ 0.25% · 3.875%
HK$224,110
−HK$6,869/mo
Today · 4.125%
HK$230,979
baseline
▲ 0.50% · 4.625%
HK$245,034
+HK$14,055/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$461,958/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,799
−HK$13,064/mo
▼ 0.25% · 3.875%
HK$248,284
−HK$6,579/mo
Today · 4.125%
HK$254,863
baseline
▲ 0.50% · 4.625%
HK$268,297
+HK$13,434/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$509,726/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,565 · Scale 2, in force from 26 Feb 2026)