LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,412
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$126,220
−HK$3,868/mo
Today · 4.125%
HK$130,088
baseline
▲ 0.50% · 4.625%
HK$138,004
+HK$7,916/mo
Deposit HK$26.84M · loan HK$26.84M · min. income ≈ HK$260,176/mo (50% DSR)
Upfront cash ≈ HK$29.12M (deposit + AVD stamp duty HK$2,281,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,182
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$139,834
−HK$3,706/mo
Today · 4.125%
HK$143,540
baseline
▲ 0.50% · 4.625%
HK$151,106
+HK$7,566/mo
Deposit HK$26.84M · loan HK$26.84M · min. income ≈ HK$287,080/mo (50% DSR)
Upfront cash ≈ HK$29.12M (deposit + AVD stamp duty HK$2,281,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,894
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$151,464
−HK$4,642/mo
Today · 4.125%
HK$156,106
baseline
▲ 0.50% · 4.625%
HK$165,605
+HK$9,499/mo
Deposit HK$21.47M · loan HK$32.21M · min. income ≈ HK$312,212/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$2,281,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,418
−HK$8,829/mo
▼ 0.25% · 3.875%
HK$167,801
−HK$4,446/mo
Today · 4.125%
HK$172,247
baseline
▲ 0.50% · 4.625%
HK$181,327
+HK$9,080/mo
Deposit HK$21.47M · loan HK$32.21M · min. income ≈ HK$344,494/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$2,281,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,377
−HK$10,747/mo
▼ 0.25% · 3.875%
HK$176,708
−HK$5,416/mo
Today · 4.125%
HK$182,124
baseline
▲ 0.50% · 4.625%
HK$193,205
+HK$11,081/mo
Deposit HK$16.11M · loan HK$37.58M · min. income ≈ HK$364,248/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,281,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,655
−HK$10,300/mo
▼ 0.25% · 3.875%
HK$195,768
−HK$5,187/mo
Today · 4.125%
HK$200,955
baseline
▲ 0.50% · 4.625%
HK$211,548
+HK$10,593/mo
Deposit HK$16.11M · loan HK$37.58M · min. income ≈ HK$401,910/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,281,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,341
−HK$13,818/mo
▼ 0.25% · 3.875%
HK$227,195
−HK$6,964/mo
Today · 4.125%
HK$234,159
baseline
▲ 0.50% · 4.625%
HK$248,407
+HK$14,248/mo
Deposit HK$5.37M · loan HK$48.32M · min. income ≈ HK$468,318/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,281,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,128
−HK$13,243/mo
▼ 0.25% · 3.875%
HK$251,702
−HK$6,669/mo
Today · 4.125%
HK$258,371
baseline
▲ 0.50% · 4.625%
HK$271,990
+HK$13,619/mo
Deposit HK$5.37M · loan HK$48.32M · min. income ≈ HK$516,742/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,281,545 · Scale 2, in force from 26 Feb 2026)