LTV · monthly repayment
▼ 0.50% · 3.625%
HK$122,964
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$126,789
−HK$3,886/mo
Today · 4.125%
HK$130,675
baseline
▲ 0.50% · 4.625%
HK$138,626
+HK$7,951/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$261,350/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,796
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,465
−HK$3,722/mo
Today · 4.125%
HK$144,187
baseline
▲ 0.50% · 4.625%
HK$151,787
+HK$7,600/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$288,374/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,557
−HK$9,253/mo
▼ 0.25% · 3.875%
HK$152,147
−HK$4,663/mo
Today · 4.125%
HK$156,810
baseline
▲ 0.50% · 4.625%
HK$166,352
+HK$9,542/mo
Deposit HK$21.57M · loan HK$32.36M · min. income ≈ HK$313,620/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,156
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$168,558
−HK$4,466/mo
Today · 4.125%
HK$173,024
baseline
▲ 0.50% · 4.625%
HK$182,145
+HK$9,121/mo
Deposit HK$21.57M · loan HK$32.36M · min. income ≈ HK$346,048/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,150
−HK$10,795/mo
▼ 0.25% · 3.875%
HK$177,505
−HK$5,440/mo
Today · 4.125%
HK$182,945
baseline
▲ 0.50% · 4.625%
HK$194,077
+HK$11,132/mo
Deposit HK$16.18M · loan HK$37.75M · min. income ≈ HK$365,890/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,515
−HK$10,347/mo
▼ 0.25% · 3.875%
HK$196,651
−HK$5,211/mo
Today · 4.125%
HK$201,862
baseline
▲ 0.50% · 4.625%
HK$212,502
+HK$10,640/mo
Deposit HK$16.18M · loan HK$37.75M · min. income ≈ HK$403,724/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,335
−HK$13,880/mo
▼ 0.25% · 3.875%
HK$228,220
−HK$6,995/mo
Today · 4.125%
HK$235,215
baseline
▲ 0.50% · 4.625%
HK$249,527
+HK$14,312/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$470,430/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,233
−HK$13,304/mo
▼ 0.25% · 3.875%
HK$252,837
−HK$6,700/mo
Today · 4.125%
HK$259,537
baseline
▲ 0.50% · 4.625%
HK$273,217
+HK$13,680/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$519,074/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,837 · Scale 2, in force from 26 Feb 2026)