LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,695
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,511
−HK$3,878/mo
Today · 4.125%
HK$130,389
baseline
▲ 0.50% · 4.625%
HK$138,323
+HK$7,934/mo
Deposit HK$26.90M · loan HK$26.90M · min. income ≈ HK$260,778/mo (50% DSR)
Upfront cash ≈ HK$29.19M (deposit + AVD stamp duty HK$2,286,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,497
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$140,157
−HK$3,714/mo
Today · 4.125%
HK$143,871
baseline
▲ 0.50% · 4.625%
HK$151,455
+HK$7,584/mo
Deposit HK$26.90M · loan HK$26.90M · min. income ≈ HK$287,742/mo (50% DSR)
Upfront cash ≈ HK$29.19M (deposit + AVD stamp duty HK$2,286,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,234
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$151,814
−HK$4,653/mo
Today · 4.125%
HK$156,467
baseline
▲ 0.50% · 4.625%
HK$165,987
+HK$9,520/mo
Deposit HK$21.52M · loan HK$32.28M · min. income ≈ HK$312,934/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,286,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,796
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$168,189
−HK$4,456/mo
Today · 4.125%
HK$172,645
baseline
▲ 0.50% · 4.625%
HK$181,746
+HK$9,101/mo
Deposit HK$21.52M · loan HK$32.28M · min. income ≈ HK$345,290/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,286,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,773
−HK$10,771/mo
▼ 0.25% · 3.875%
HK$177,116
−HK$5,428/mo
Today · 4.125%
HK$182,544
baseline
▲ 0.50% · 4.625%
HK$193,652
+HK$11,108/mo
Deposit HK$16.14M · loan HK$37.67M · min. income ≈ HK$365,088/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,286,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,095
−HK$10,325/mo
▼ 0.25% · 3.875%
HK$196,220
−HK$5,200/mo
Today · 4.125%
HK$201,420
baseline
▲ 0.50% · 4.625%
HK$212,037
+HK$10,617/mo
Deposit HK$16.14M · loan HK$37.67M · min. income ≈ HK$402,840/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,286,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,851
−HK$13,849/mo
▼ 0.25% · 3.875%
HK$227,720
−HK$6,980/mo
Today · 4.125%
HK$234,700
baseline
▲ 0.50% · 4.625%
HK$248,981
+HK$14,281/mo
Deposit HK$5.38M · loan HK$48.43M · min. income ≈ HK$469,400/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,286,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,694
−HK$13,274/mo
▼ 0.25% · 3.875%
HK$252,283
−HK$6,685/mo
Today · 4.125%
HK$258,968
baseline
▲ 0.50% · 4.625%
HK$272,619
+HK$13,651/mo
Deposit HK$5.38M · loan HK$48.43M · min. income ≈ HK$517,936/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,286,816 · Scale 2, in force from 26 Feb 2026)