LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,954
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,717
−HK$3,822/mo
Today · 4.125%
HK$128,539
baseline
▲ 0.50% · 4.625%
HK$136,361
+HK$7,822/mo
Deposit HK$26.52M · loan HK$26.52M · min. income ≈ HK$257,078/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,561
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$138,169
−HK$3,662/mo
Today · 4.125%
HK$141,831
baseline
▲ 0.50% · 4.625%
HK$149,307
+HK$7,476/mo
Deposit HK$26.52M · loan HK$26.52M · min. income ≈ HK$283,662/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,145
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$149,660
−HK$4,587/mo
Today · 4.125%
HK$154,247
baseline
▲ 0.50% · 4.625%
HK$163,633
+HK$9,386/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$308,494/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$2,254,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,473
−HK$8,724/mo
▼ 0.25% · 3.875%
HK$165,803
−HK$4,394/mo
Today · 4.125%
HK$170,197
baseline
▲ 0.50% · 4.625%
HK$179,168
+HK$8,971/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$340,394/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$2,254,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,336
−HK$10,619/mo
▼ 0.25% · 3.875%
HK$174,604
−HK$5,351/mo
Today · 4.125%
HK$179,955
baseline
▲ 0.50% · 4.625%
HK$190,905
+HK$10,950/mo
Deposit HK$15.91M · loan HK$37.13M · min. income ≈ HK$359,910/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,385
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$193,437
−HK$5,126/mo
Today · 4.125%
HK$198,563
baseline
▲ 0.50% · 4.625%
HK$209,029
+HK$10,466/mo
Deposit HK$15.91M · loan HK$37.13M · min. income ≈ HK$397,126/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,718
−HK$13,653/mo
▼ 0.25% · 3.875%
HK$224,490
−HK$6,881/mo
Today · 4.125%
HK$231,371
baseline
▲ 0.50% · 4.625%
HK$245,449
+HK$14,078/mo
Deposit HK$5.30M · loan HK$47.74M · min. income ≈ HK$462,742/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,209
−HK$13,086/mo
▼ 0.25% · 3.875%
HK$248,705
−HK$6,590/mo
Today · 4.125%
HK$255,295
baseline
▲ 0.50% · 4.625%
HK$268,752
+HK$13,457/mo
Deposit HK$5.30M · loan HK$47.74M · min. income ≈ HK$510,590/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,380 · Scale 2, in force from 26 Feb 2026)