LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,463
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$126,272
−HK$3,871/mo
Today · 4.125%
HK$130,143
baseline
▲ 0.50% · 4.625%
HK$138,061
+HK$7,918/mo
Deposit HK$26.85M · loan HK$26.85M · min. income ≈ HK$260,286/mo (50% DSR)
Upfront cash ≈ HK$29.14M (deposit + AVD stamp duty HK$2,282,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,239
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$139,893
−HK$3,706/mo
Today · 4.125%
HK$143,599
baseline
▲ 0.50% · 4.625%
HK$151,169
+HK$7,570/mo
Deposit HK$26.85M · loan HK$26.85M · min. income ≈ HK$287,198/mo (50% DSR)
Upfront cash ≈ HK$29.14M (deposit + AVD stamp duty HK$2,282,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,956
−HK$9,215/mo
▼ 0.25% · 3.875%
HK$151,527
−HK$4,644/mo
Today · 4.125%
HK$156,171
baseline
▲ 0.50% · 4.625%
HK$165,674
+HK$9,503/mo
Deposit HK$21.48M · loan HK$32.22M · min. income ≈ HK$312,342/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,282,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,487
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$167,871
−HK$4,448/mo
Today · 4.125%
HK$172,319
baseline
▲ 0.50% · 4.625%
HK$181,403
+HK$9,084/mo
Deposit HK$21.48M · loan HK$32.22M · min. income ≈ HK$344,638/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,282,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,448
−HK$10,752/mo
▼ 0.25% · 3.875%
HK$176,781
−HK$5,419/mo
Today · 4.125%
HK$182,200
baseline
▲ 0.50% · 4.625%
HK$193,286
+HK$11,086/mo
Deposit HK$16.11M · loan HK$37.59M · min. income ≈ HK$364,400/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,282,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,734
−HK$10,305/mo
▼ 0.25% · 3.875%
HK$195,850
−HK$5,189/mo
Today · 4.125%
HK$201,039
baseline
▲ 0.50% · 4.625%
HK$211,636
+HK$10,597/mo
Deposit HK$16.11M · loan HK$37.59M · min. income ≈ HK$402,078/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,282,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,433
−HK$13,824/mo
▼ 0.25% · 3.875%
HK$227,290
−HK$6,967/mo
Today · 4.125%
HK$234,257
baseline
▲ 0.50% · 4.625%
HK$248,511
+HK$14,254/mo
Deposit HK$5.37M · loan HK$48.34M · min. income ≈ HK$468,514/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,282,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,230
−HK$13,249/mo
▼ 0.25% · 3.875%
HK$251,807
−HK$6,672/mo
Today · 4.125%
HK$258,479
baseline
▲ 0.50% · 4.625%
HK$272,104
+HK$13,625/mo
Deposit HK$5.37M · loan HK$48.34M · min. income ≈ HK$516,958/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,282,497 · Scale 2, in force from 26 Feb 2026)