LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,993
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,756
−HK$3,824/mo
Today · 4.125%
HK$128,580
baseline
▲ 0.50% · 4.625%
HK$136,404
+HK$7,824/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$257,160/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,603
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,213
−HK$3,662/mo
Today · 4.125%
HK$141,875
baseline
▲ 0.50% · 4.625%
HK$149,354
+HK$7,479/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$283,750/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,191
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$149,708
−HK$4,588/mo
Today · 4.125%
HK$154,296
baseline
▲ 0.50% · 4.625%
HK$163,685
+HK$9,389/mo
Deposit HK$21.22M · loan HK$31.84M · min. income ≈ HK$308,592/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,524
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$165,856
−HK$4,395/mo
Today · 4.125%
HK$170,251
baseline
▲ 0.50% · 4.625%
HK$179,225
+HK$8,974/mo
Deposit HK$21.22M · loan HK$31.84M · min. income ≈ HK$340,502/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,390
−HK$10,622/mo
▼ 0.25% · 3.875%
HK$174,659
−HK$5,353/mo
Today · 4.125%
HK$180,012
baseline
▲ 0.50% · 4.625%
HK$190,965
+HK$10,953/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$360,024/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,255,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,445
−HK$10,181/mo
▼ 0.25% · 3.875%
HK$193,499
−HK$5,127/mo
Today · 4.125%
HK$198,626
baseline
▲ 0.50% · 4.625%
HK$209,095
+HK$10,469/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$397,252/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,255,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,787
−HK$13,657/mo
▼ 0.25% · 3.875%
HK$224,561
−HK$6,883/mo
Today · 4.125%
HK$231,444
baseline
▲ 0.50% · 4.625%
HK$245,527
+HK$14,083/mo
Deposit HK$5.31M · loan HK$47.75M · min. income ≈ HK$462,888/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,286
−HK$13,090/mo
▼ 0.25% · 3.875%
HK$248,784
−HK$6,592/mo
Today · 4.125%
HK$255,376
baseline
▲ 0.50% · 4.625%
HK$268,837
+HK$13,461/mo
Deposit HK$5.31M · loan HK$47.75M · min. income ≈ HK$510,752/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,094 · Scale 2, in force from 26 Feb 2026)