LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,797
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,555
−HK$3,817/mo
Today · 4.125%
HK$128,372
baseline
▲ 0.50% · 4.625%
HK$136,183
+HK$7,811/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$256,744/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,386
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,990
−HK$3,656/mo
Today · 4.125%
HK$141,646
baseline
▲ 0.50% · 4.625%
HK$149,112
+HK$7,466/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$283,292/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,957
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$149,465
−HK$4,582/mo
Today · 4.125%
HK$154,047
baseline
▲ 0.50% · 4.625%
HK$163,420
+HK$9,373/mo
Deposit HK$21.19M · loan HK$31.79M · min. income ≈ HK$308,094/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,263
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,588
−HK$4,387/mo
Today · 4.125%
HK$169,975
baseline
▲ 0.50% · 4.625%
HK$178,935
+HK$8,960/mo
Deposit HK$21.19M · loan HK$31.79M · min. income ≈ HK$339,950/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,116
−HK$10,605/mo
▼ 0.25% · 3.875%
HK$174,376
−HK$5,345/mo
Today · 4.125%
HK$179,721
baseline
▲ 0.50% · 4.625%
HK$190,657
+HK$10,936/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$359,442/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,140
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$193,186
−HK$5,118/mo
Today · 4.125%
HK$198,304
baseline
▲ 0.50% · 4.625%
HK$208,757
+HK$10,453/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$396,608/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,435
−HK$13,635/mo
▼ 0.25% · 3.875%
HK$224,198
−HK$6,872/mo
Today · 4.125%
HK$231,070
baseline
▲ 0.50% · 4.625%
HK$245,130
+HK$14,060/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$462,140/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,894
−HK$13,069/mo
▼ 0.25% · 3.875%
HK$248,381
−HK$6,582/mo
Today · 4.125%
HK$254,963
baseline
▲ 0.50% · 4.625%
HK$268,402
+HK$13,439/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$509,926/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,447 · Scale 2, in force from 26 Feb 2026)