LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,549
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,361
−HK$3,873/mo
Today · 4.125%
HK$130,234
baseline
▲ 0.50% · 4.625%
HK$138,158
+HK$7,924/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$260,468/mo (50% DSR)
Upfront cash ≈ HK$29.16M (deposit + AVD stamp duty HK$2,284,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,335
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$139,991
−HK$3,709/mo
Today · 4.125%
HK$143,700
baseline
▲ 0.50% · 4.625%
HK$151,275
+HK$7,575/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$287,400/mo (50% DSR)
Upfront cash ≈ HK$29.16M (deposit + AVD stamp duty HK$2,284,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,059
−HK$9,222/mo
▼ 0.25% · 3.875%
HK$151,633
−HK$4,648/mo
Today · 4.125%
HK$156,281
baseline
▲ 0.50% · 4.625%
HK$165,790
+HK$9,509/mo
Deposit HK$21.50M · loan HK$32.25M · min. income ≈ HK$312,562/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,284,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,602
−HK$8,838/mo
▼ 0.25% · 3.875%
HK$167,989
−HK$4,451/mo
Today · 4.125%
HK$172,440
baseline
▲ 0.50% · 4.625%
HK$181,530
+HK$9,090/mo
Deposit HK$21.50M · loan HK$32.25M · min. income ≈ HK$344,880/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,284,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,569
−HK$10,759/mo
▼ 0.25% · 3.875%
HK$176,905
−HK$5,423/mo
Today · 4.125%
HK$182,328
baseline
▲ 0.50% · 4.625%
HK$193,422
+HK$11,094/mo
Deposit HK$16.12M · loan HK$37.62M · min. income ≈ HK$364,656/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,868
−HK$10,312/mo
▼ 0.25% · 3.875%
HK$195,987
−HK$5,193/mo
Today · 4.125%
HK$201,180
baseline
▲ 0.50% · 4.625%
HK$211,785
+HK$10,605/mo
Deposit HK$16.12M · loan HK$37.62M · min. income ≈ HK$402,360/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,588
−HK$13,833/mo
▼ 0.25% · 3.875%
HK$227,450
−HK$6,971/mo
Today · 4.125%
HK$234,421
baseline
▲ 0.50% · 4.625%
HK$248,685
+HK$14,264/mo
Deposit HK$5.37M · loan HK$48.37M · min. income ≈ HK$468,842/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,402
−HK$13,259/mo
▼ 0.25% · 3.875%
HK$251,984
−HK$6,677/mo
Today · 4.125%
HK$258,661
baseline
▲ 0.50% · 4.625%
HK$272,295
+HK$13,634/mo
Deposit HK$5.37M · loan HK$48.37M · min. income ≈ HK$517,322/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,101 · Scale 2, in force from 26 Feb 2026)