LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,283
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,087
−HK$3,864/mo
Today · 4.125%
HK$129,951
baseline
▲ 0.50% · 4.625%
HK$137,859
+HK$7,908/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$259,902/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,279,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,039
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$139,687
−HK$3,702/mo
Today · 4.125%
HK$143,389
baseline
▲ 0.50% · 4.625%
HK$150,947
+HK$7,558/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$286,778/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,279,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,740
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$151,304
−HK$4,638/mo
Today · 4.125%
HK$155,942
baseline
▲ 0.50% · 4.625%
HK$165,430
+HK$9,488/mo
Deposit HK$21.45M · loan HK$32.18M · min. income ≈ HK$311,884/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,247
−HK$8,819/mo
▼ 0.25% · 3.875%
HK$167,625
−HK$4,441/mo
Today · 4.125%
HK$172,066
baseline
▲ 0.50% · 4.625%
HK$181,136
+HK$9,070/mo
Deposit HK$21.45M · loan HK$32.18M · min. income ≈ HK$344,132/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,196
−HK$10,736/mo
▼ 0.25% · 3.875%
HK$176,522
−HK$5,410/mo
Today · 4.125%
HK$181,932
baseline
▲ 0.50% · 4.625%
HK$193,002
+HK$11,070/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$363,864/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,454
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$195,562
−HK$5,182/mo
Today · 4.125%
HK$200,744
baseline
▲ 0.50% · 4.625%
HK$211,325
+HK$10,581/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$401,488/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,110
−HK$13,802/mo
▼ 0.25% · 3.875%
HK$226,956
−HK$6,956/mo
Today · 4.125%
HK$233,912
baseline
▲ 0.50% · 4.625%
HK$248,145
+HK$14,233/mo
Deposit HK$5.36M · loan HK$48.26M · min. income ≈ HK$467,824/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,870
−HK$13,229/mo
▼ 0.25% · 3.875%
HK$251,437
−HK$6,662/mo
Today · 4.125%
HK$258,099
baseline
▲ 0.50% · 4.625%
HK$271,704
+HK$13,605/mo
Deposit HK$5.36M · loan HK$48.26M · min. income ≈ HK$516,198/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,145 · Scale 2, in force from 26 Feb 2026)