LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,947
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,771
−HK$3,886/mo
Today · 4.125%
HK$130,657
baseline
▲ 0.50% · 4.625%
HK$138,607
+HK$7,950/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$261,314/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,777
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$140,445
−HK$3,722/mo
Today · 4.125%
HK$144,167
baseline
▲ 0.50% · 4.625%
HK$151,766
+HK$7,599/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$288,334/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,536
−HK$9,252/mo
▼ 0.25% · 3.875%
HK$152,125
−HK$4,663/mo
Today · 4.125%
HK$156,788
baseline
▲ 0.50% · 4.625%
HK$166,328
+HK$9,540/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$313,576/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,132
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$168,534
−HK$4,466/mo
Today · 4.125%
HK$173,000
baseline
▲ 0.50% · 4.625%
HK$182,119
+HK$9,119/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$346,000/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,125
−HK$10,794/mo
▼ 0.25% · 3.875%
HK$177,479
−HK$5,440/mo
Today · 4.125%
HK$182,919
baseline
▲ 0.50% · 4.625%
HK$194,049
+HK$11,130/mo
Deposit HK$16.18M · loan HK$37.74M · min. income ≈ HK$365,838/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,488
−HK$10,345/mo
▼ 0.25% · 3.875%
HK$196,623
−HK$5,210/mo
Today · 4.125%
HK$201,833
baseline
▲ 0.50% · 4.625%
HK$212,472
+HK$10,639/mo
Deposit HK$16.18M · loan HK$37.74M · min. income ≈ HK$403,666/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,304
−HK$13,878/mo
▼ 0.25% · 3.875%
HK$228,188
−HK$6,994/mo
Today · 4.125%
HK$235,182
baseline
▲ 0.50% · 4.625%
HK$249,492
+HK$14,310/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$470,364/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,199
−HK$13,301/mo
▼ 0.25% · 3.875%
HK$252,802
−HK$6,698/mo
Today · 4.125%
HK$259,500
baseline
▲ 0.50% · 4.625%
HK$273,179
+HK$13,679/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$519,000/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,513 · Scale 2, in force from 26 Feb 2026)