LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,946
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,770
−HK$3,885/mo
Today · 4.125%
HK$130,655
baseline
▲ 0.50% · 4.625%
HK$138,605
+HK$7,950/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$261,310/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,776
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,444
−HK$3,721/mo
Today · 4.125%
HK$144,165
baseline
▲ 0.50% · 4.625%
HK$151,764
+HK$7,599/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$288,330/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,535
−HK$9,251/mo
▼ 0.25% · 3.875%
HK$152,124
−HK$4,662/mo
Today · 4.125%
HK$156,786
baseline
▲ 0.50% · 4.625%
HK$166,326
+HK$9,540/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$313,572/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,131
−HK$8,867/mo
▼ 0.25% · 3.875%
HK$168,533
−HK$4,465/mo
Today · 4.125%
HK$172,998
baseline
▲ 0.50% · 4.625%
HK$182,117
+HK$9,119/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$345,996/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,124
−HK$10,793/mo
▼ 0.25% · 3.875%
HK$177,478
−HK$5,439/mo
Today · 4.125%
HK$182,917
baseline
▲ 0.50% · 4.625%
HK$194,048
+HK$11,131/mo
Deposit HK$16.18M · loan HK$37.74M · min. income ≈ HK$365,834/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,486
−HK$10,345/mo
▼ 0.25% · 3.875%
HK$196,622
−HK$5,209/mo
Today · 4.125%
HK$201,831
baseline
▲ 0.50% · 4.625%
HK$212,470
+HK$10,639/mo
Deposit HK$16.18M · loan HK$37.74M · min. income ≈ HK$403,662/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,302
−HK$13,878/mo
▼ 0.25% · 3.875%
HK$228,186
−HK$6,994/mo
Today · 4.125%
HK$235,180
baseline
▲ 0.50% · 4.625%
HK$249,490
+HK$14,310/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$470,360/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,196
−HK$13,301/mo
▼ 0.25% · 3.875%
HK$252,799
−HK$6,698/mo
Today · 4.125%
HK$259,497
baseline
▲ 0.50% · 4.625%
HK$273,176
+HK$13,679/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$518,994/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,491 · Scale 2, in force from 26 Feb 2026)