LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,720
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$126,538
−HK$3,878/mo
Today · 4.125%
HK$130,416
baseline
▲ 0.50% · 4.625%
HK$138,351
+HK$7,935/mo
Deposit HK$26.91M · loan HK$26.91M · min. income ≈ HK$260,832/mo (50% DSR)
Upfront cash ≈ HK$29.20M (deposit + AVD stamp duty HK$2,287,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,525
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$140,187
−HK$3,714/mo
Today · 4.125%
HK$143,901
baseline
▲ 0.50% · 4.625%
HK$151,486
+HK$7,585/mo
Deposit HK$26.91M · loan HK$26.91M · min. income ≈ HK$287,802/mo (50% DSR)
Upfront cash ≈ HK$29.20M (deposit + AVD stamp duty HK$2,287,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,264
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$151,845
−HK$4,654/mo
Today · 4.125%
HK$156,499
baseline
▲ 0.50% · 4.625%
HK$166,022
+HK$9,523/mo
Deposit HK$21.53M · loan HK$32.29M · min. income ≈ HK$312,998/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,287,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,830
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$168,224
−HK$4,457/mo
Today · 4.125%
HK$172,681
baseline
▲ 0.50% · 4.625%
HK$181,784
+HK$9,103/mo
Deposit HK$21.53M · loan HK$32.29M · min. income ≈ HK$345,362/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,287,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,808
−HK$10,774/mo
▼ 0.25% · 3.875%
HK$177,153
−HK$5,429/mo
Today · 4.125%
HK$182,582
baseline
▲ 0.50% · 4.625%
HK$193,692
+HK$11,110/mo
Deposit HK$16.15M · loan HK$37.67M · min. income ≈ HK$365,164/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,287,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,135
−HK$10,327/mo
▼ 0.25% · 3.875%
HK$196,261
−HK$5,201/mo
Today · 4.125%
HK$201,462
baseline
▲ 0.50% · 4.625%
HK$212,081
+HK$10,619/mo
Deposit HK$16.15M · loan HK$37.67M · min. income ≈ HK$402,924/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,287,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,897
−HK$13,852/mo
▼ 0.25% · 3.875%
HK$227,768
−HK$6,981/mo
Today · 4.125%
HK$234,749
baseline
▲ 0.50% · 4.625%
HK$249,033
+HK$14,284/mo
Deposit HK$5.38M · loan HK$48.44M · min. income ≈ HK$469,498/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,287,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,745
−HK$13,277/mo
▼ 0.25% · 3.875%
HK$252,336
−HK$6,686/mo
Today · 4.125%
HK$259,022
baseline
▲ 0.50% · 4.625%
HK$272,675
+HK$13,653/mo
Deposit HK$5.38M · loan HK$48.44M · min. income ≈ HK$518,044/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,287,293 · Scale 2, in force from 26 Feb 2026)