LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,855
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$126,677
−HK$3,882/mo
Today · 4.125%
HK$130,559
baseline
▲ 0.50% · 4.625%
HK$138,504
+HK$7,945/mo
Deposit HK$26.94M · loan HK$26.94M · min. income ≈ HK$261,118/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$2,289,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,675
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$140,341
−HK$3,719/mo
Today · 4.125%
HK$144,060
baseline
▲ 0.50% · 4.625%
HK$151,653
+HK$7,593/mo
Deposit HK$26.94M · loan HK$26.94M · min. income ≈ HK$288,120/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$2,289,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,426
−HK$9,245/mo
▼ 0.25% · 3.875%
HK$152,012
−HK$4,659/mo
Today · 4.125%
HK$156,671
baseline
▲ 0.50% · 4.625%
HK$166,204
+HK$9,533/mo
Deposit HK$21.55M · loan HK$32.33M · min. income ≈ HK$313,342/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$2,289,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,010
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$168,409
−HK$4,462/mo
Today · 4.125%
HK$172,871
baseline
▲ 0.50% · 4.625%
HK$181,984
+HK$9,113/mo
Deposit HK$21.55M · loan HK$32.33M · min. income ≈ HK$345,742/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$2,289,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,998
−HK$10,785/mo
▼ 0.25% · 3.875%
HK$177,348
−HK$5,435/mo
Today · 4.125%
HK$182,783
baseline
▲ 0.50% · 4.625%
HK$193,905
+HK$11,122/mo
Deposit HK$16.16M · loan HK$37.71M · min. income ≈ HK$365,566/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$2,289,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,346
−HK$10,337/mo
▼ 0.25% · 3.875%
HK$196,477
−HK$5,206/mo
Today · 4.125%
HK$201,683
baseline
▲ 0.50% · 4.625%
HK$212,314
+HK$10,631/mo
Deposit HK$16.16M · loan HK$37.71M · min. income ≈ HK$403,366/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$2,289,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,140
−HK$13,867/mo
▼ 0.25% · 3.875%
HK$228,018
−HK$6,989/mo
Today · 4.125%
HK$235,007
baseline
▲ 0.50% · 4.625%
HK$249,307
+HK$14,300/mo
Deposit HK$5.39M · loan HK$48.49M · min. income ≈ HK$470,014/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,289,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,016
−HK$13,291/mo
▼ 0.25% · 3.875%
HK$252,614
−HK$6,693/mo
Today · 4.125%
HK$259,307
baseline
▲ 0.50% · 4.625%
HK$272,976
+HK$13,669/mo
Deposit HK$5.39M · loan HK$48.49M · min. income ≈ HK$518,614/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,289,810 · Scale 2, in force from 26 Feb 2026)