LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,860
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$126,682
−HK$3,882/mo
Today · 4.125%
HK$130,564
baseline
▲ 0.50% · 4.625%
HK$138,509
+HK$7,945/mo
Deposit HK$26.94M · loan HK$26.94M · min. income ≈ HK$261,128/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$2,289,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,680
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$140,346
−HK$3,719/mo
Today · 4.125%
HK$144,065
baseline
▲ 0.50% · 4.625%
HK$151,659
+HK$7,594/mo
Deposit HK$26.94M · loan HK$26.94M · min. income ≈ HK$288,130/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$2,289,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,432
−HK$9,245/mo
▼ 0.25% · 3.875%
HK$152,018
−HK$4,659/mo
Today · 4.125%
HK$156,677
baseline
▲ 0.50% · 4.625%
HK$166,211
+HK$9,534/mo
Deposit HK$21.55M · loan HK$32.33M · min. income ≈ HK$313,354/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$2,289,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,016
−HK$8,862/mo
▼ 0.25% · 3.875%
HK$168,415
−HK$4,463/mo
Today · 4.125%
HK$172,878
baseline
▲ 0.50% · 4.625%
HK$181,990
+HK$9,112/mo
Deposit HK$21.55M · loan HK$32.33M · min. income ≈ HK$345,756/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$2,289,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,004
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$177,354
−HK$5,436/mo
Today · 4.125%
HK$182,790
baseline
▲ 0.50% · 4.625%
HK$193,912
+HK$11,122/mo
Deposit HK$16.16M · loan HK$37.72M · min. income ≈ HK$365,580/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$2,289,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,353
−HK$10,338/mo
▼ 0.25% · 3.875%
HK$196,484
−HK$5,207/mo
Today · 4.125%
HK$201,691
baseline
▲ 0.50% · 4.625%
HK$212,322
+HK$10,631/mo
Deposit HK$16.16M · loan HK$37.72M · min. income ≈ HK$403,382/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$2,289,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,148
−HK$13,868/mo
▼ 0.25% · 3.875%
HK$228,027
−HK$6,989/mo
Today · 4.125%
HK$235,016
baseline
▲ 0.50% · 4.625%
HK$249,316
+HK$14,300/mo
Deposit HK$5.39M · loan HK$48.49M · min. income ≈ HK$470,032/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,289,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,025
−HK$13,292/mo
▼ 0.25% · 3.875%
HK$252,623
−HK$6,694/mo
Today · 4.125%
HK$259,317
baseline
▲ 0.50% · 4.625%
HK$272,986
+HK$13,669/mo
Deposit HK$5.39M · loan HK$48.49M · min. income ≈ HK$518,634/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,289,894 · Scale 2, in force from 26 Feb 2026)