LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,430
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,239
−HK$3,869/mo
Today · 4.125%
HK$130,108
baseline
▲ 0.50% · 4.625%
HK$138,025
+HK$7,917/mo
Deposit HK$26.85M · loan HK$26.85M · min. income ≈ HK$260,216/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,281,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,203
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$139,855
−HK$3,706/mo
Today · 4.125%
HK$143,561
baseline
▲ 0.50% · 4.625%
HK$151,128
+HK$7,567/mo
Deposit HK$26.85M · loan HK$26.85M · min. income ≈ HK$287,122/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,281,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,916
−HK$9,213/mo
▼ 0.25% · 3.875%
HK$151,486
−HK$4,643/mo
Today · 4.125%
HK$156,129
baseline
▲ 0.50% · 4.625%
HK$165,630
+HK$9,501/mo
Deposit HK$21.48M · loan HK$32.21M · min. income ≈ HK$312,258/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,281,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,443
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$167,827
−HK$4,446/mo
Today · 4.125%
HK$172,273
baseline
▲ 0.50% · 4.625%
HK$181,354
+HK$9,081/mo
Deposit HK$21.48M · loan HK$32.21M · min. income ≈ HK$344,546/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,281,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,403
−HK$10,748/mo
▼ 0.25% · 3.875%
HK$176,734
−HK$5,417/mo
Today · 4.125%
HK$182,151
baseline
▲ 0.50% · 4.625%
HK$193,234
+HK$11,083/mo
Deposit HK$16.11M · loan HK$37.58M · min. income ≈ HK$364,302/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,281,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,684
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$195,798
−HK$5,188/mo
Today · 4.125%
HK$200,986
baseline
▲ 0.50% · 4.625%
HK$211,580
+HK$10,594/mo
Deposit HK$16.11M · loan HK$37.58M · min. income ≈ HK$401,972/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,281,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,375
−HK$13,819/mo
▼ 0.25% · 3.875%
HK$227,230
−HK$6,964/mo
Today · 4.125%
HK$234,194
baseline
▲ 0.50% · 4.625%
HK$248,444
+HK$14,250/mo
Deposit HK$5.37M · loan HK$48.32M · min. income ≈ HK$468,388/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,281,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,165
−HK$13,245/mo
▼ 0.25% · 3.875%
HK$251,740
−HK$6,670/mo
Today · 4.125%
HK$258,410
baseline
▲ 0.50% · 4.625%
HK$272,031
+HK$13,621/mo
Deposit HK$5.37M · loan HK$48.32M · min. income ≈ HK$516,820/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,281,889 · Scale 2, in force from 26 Feb 2026)