LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,285
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,089
−HK$3,865/mo
Today · 4.125%
HK$129,954
baseline
▲ 0.50% · 4.625%
HK$137,861
+HK$7,907/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$259,908/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,279,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,041
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$139,690
−HK$3,701/mo
Today · 4.125%
HK$143,391
baseline
▲ 0.50% · 4.625%
HK$150,949
+HK$7,558/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$286,782/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,279,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,742
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$151,307
−HK$4,637/mo
Today · 4.125%
HK$155,944
baseline
▲ 0.50% · 4.625%
HK$165,433
+HK$9,489/mo
Deposit HK$21.45M · loan HK$32.18M · min. income ≈ HK$311,888/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,249
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$167,627
−HK$4,442/mo
Today · 4.125%
HK$172,069
baseline
▲ 0.50% · 4.625%
HK$181,139
+HK$9,070/mo
Deposit HK$21.45M · loan HK$32.18M · min. income ≈ HK$344,138/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,199
−HK$10,736/mo
▼ 0.25% · 3.875%
HK$176,525
−HK$5,410/mo
Today · 4.125%
HK$181,935
baseline
▲ 0.50% · 4.625%
HK$193,005
+HK$11,070/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$363,870/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,457
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$195,565
−HK$5,182/mo
Today · 4.125%
HK$200,747
baseline
▲ 0.50% · 4.625%
HK$211,329
+HK$10,582/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$401,494/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,113
−HK$13,803/mo
▼ 0.25% · 3.875%
HK$226,960
−HK$6,956/mo
Today · 4.125%
HK$233,916
baseline
▲ 0.50% · 4.625%
HK$248,150
+HK$14,234/mo
Deposit HK$5.36M · loan HK$48.27M · min. income ≈ HK$467,832/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,874
−HK$13,230/mo
▼ 0.25% · 3.875%
HK$251,441
−HK$6,663/mo
Today · 4.125%
HK$258,104
baseline
▲ 0.50% · 4.625%
HK$271,709
+HK$13,605/mo
Deposit HK$5.36M · loan HK$48.27M · min. income ≈ HK$516,208/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,183 · Scale 2, in force from 26 Feb 2026)