LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,645
−HK$7,691/mo
▼ 0.25% · 3.875%
HK$126,460
−HK$3,876/mo
Today · 4.125%
HK$130,336
baseline
▲ 0.50% · 4.625%
HK$138,266
+HK$7,930/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$260,672/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$2,285,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,441
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$140,100
−HK$3,712/mo
Today · 4.125%
HK$143,812
baseline
▲ 0.50% · 4.625%
HK$151,393
+HK$7,581/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$287,624/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$2,285,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,174
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$151,752
−HK$4,651/mo
Today · 4.125%
HK$156,403
baseline
▲ 0.50% · 4.625%
HK$165,919
+HK$9,516/mo
Deposit HK$21.51M · loan HK$32.27M · min. income ≈ HK$312,806/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,729
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$168,120
−HK$4,455/mo
Today · 4.125%
HK$172,575
baseline
▲ 0.50% · 4.625%
HK$181,672
+HK$9,097/mo
Deposit HK$21.51M · loan HK$32.27M · min. income ≈ HK$345,150/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,703
−HK$10,767/mo
▼ 0.25% · 3.875%
HK$177,043
−HK$5,427/mo
Today · 4.125%
HK$182,470
baseline
▲ 0.50% · 4.625%
HK$193,573
+HK$11,103/mo
Deposit HK$16.14M · loan HK$37.65M · min. income ≈ HK$364,940/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,017
−HK$10,320/mo
▼ 0.25% · 3.875%
HK$196,140
−HK$5,197/mo
Today · 4.125%
HK$201,337
baseline
▲ 0.50% · 4.625%
HK$211,950
+HK$10,613/mo
Deposit HK$16.14M · loan HK$37.65M · min. income ≈ HK$402,674/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,760
−HK$13,844/mo
▼ 0.25% · 3.875%
HK$227,627
−HK$6,977/mo
Today · 4.125%
HK$234,604
baseline
▲ 0.50% · 4.625%
HK$248,879
+HK$14,275/mo
Deposit HK$5.38M · loan HK$48.41M · min. income ≈ HK$469,208/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,594
−HK$13,268/mo
▼ 0.25% · 3.875%
HK$252,180
−HK$6,682/mo
Today · 4.125%
HK$258,862
baseline
▲ 0.50% · 4.625%
HK$272,507
+HK$13,645/mo
Deposit HK$5.38M · loan HK$48.41M · min. income ≈ HK$517,724/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,883 · Scale 2, in force from 26 Feb 2026)