LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,620
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,434
−HK$3,876/mo
Today · 4.125%
HK$130,310
baseline
▲ 0.50% · 4.625%
HK$138,239
+HK$7,929/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$260,620/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,285,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,414
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,072
−HK$3,712/mo
Today · 4.125%
HK$143,784
baseline
▲ 0.50% · 4.625%
HK$151,363
+HK$7,579/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$287,568/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,285,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,144
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$151,721
−HK$4,651/mo
Today · 4.125%
HK$156,372
baseline
▲ 0.50% · 4.625%
HK$165,886
+HK$9,514/mo
Deposit HK$21.51M · loan HK$32.26M · min. income ≈ HK$312,744/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,697
−HK$8,844/mo
▼ 0.25% · 3.875%
HK$168,087
−HK$4,454/mo
Today · 4.125%
HK$172,541
baseline
▲ 0.50% · 4.625%
HK$181,635
+HK$9,094/mo
Deposit HK$21.51M · loan HK$32.26M · min. income ≈ HK$345,082/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,668
−HK$10,766/mo
▼ 0.25% · 3.875%
HK$177,008
−HK$5,426/mo
Today · 4.125%
HK$182,434
baseline
▲ 0.50% · 4.625%
HK$193,534
+HK$11,100/mo
Deposit HK$16.13M · loan HK$37.64M · min. income ≈ HK$364,868/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,979
−HK$10,318/mo
▼ 0.25% · 3.875%
HK$196,101
−HK$5,196/mo
Today · 4.125%
HK$201,297
baseline
▲ 0.50% · 4.625%
HK$211,908
+HK$10,611/mo
Deposit HK$16.13M · loan HK$37.64M · min. income ≈ HK$402,594/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,717
−HK$13,840/mo
▼ 0.25% · 3.875%
HK$227,582
−HK$6,975/mo
Today · 4.125%
HK$234,557
baseline
▲ 0.50% · 4.625%
HK$248,830
+HK$14,273/mo
Deposit HK$5.38M · loan HK$48.40M · min. income ≈ HK$469,114/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,545
−HK$13,266/mo
▼ 0.25% · 3.875%
HK$252,130
−HK$6,681/mo
Today · 4.125%
HK$258,811
baseline
▲ 0.50% · 4.625%
HK$272,453
+HK$13,642/mo
Deposit HK$5.38M · loan HK$48.40M · min. income ≈ HK$517,622/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,429 · Scale 2, in force from 26 Feb 2026)