LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,792
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$124,549
−HK$3,817/mo
Today · 4.125%
HK$128,366
baseline
▲ 0.50% · 4.625%
HK$136,177
+HK$7,811/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$256,732/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,380
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,984
−HK$3,656/mo
Today · 4.125%
HK$141,640
baseline
▲ 0.50% · 4.625%
HK$149,106
+HK$7,466/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$283,280/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,950
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$149,459
−HK$4,581/mo
Today · 4.125%
HK$154,040
baseline
▲ 0.50% · 4.625%
HK$163,413
+HK$9,373/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$308,080/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,256
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,580
−HK$4,388/mo
Today · 4.125%
HK$169,968
baseline
▲ 0.50% · 4.625%
HK$178,927
+HK$8,959/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$339,936/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,109
−HK$10,604/mo
▼ 0.25% · 3.875%
HK$174,369
−HK$5,344/mo
Today · 4.125%
HK$179,713
baseline
▲ 0.50% · 4.625%
HK$190,648
+HK$10,935/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$359,426/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,132
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$193,177
−HK$5,119/mo
Today · 4.125%
HK$198,296
baseline
▲ 0.50% · 4.625%
HK$208,748
+HK$10,452/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$396,592/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,425
−HK$13,635/mo
▼ 0.25% · 3.875%
HK$224,188
−HK$6,872/mo
Today · 4.125%
HK$231,060
baseline
▲ 0.50% · 4.625%
HK$245,119
+HK$14,059/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$462,120/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,883
−HK$13,069/mo
▼ 0.25% · 3.875%
HK$248,371
−HK$6,581/mo
Today · 4.125%
HK$254,952
baseline
▲ 0.50% · 4.625%
HK$268,390
+HK$13,438/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$509,904/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,349 · Scale 2, in force from 26 Feb 2026)