LTV · monthly repayment
▼ 0.50% · 3.625%
HK$123,704
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,552
−HK$3,910/mo
Today · 4.125%
HK$131,462
baseline
▲ 0.50% · 4.625%
HK$139,461
+HK$7,999/mo
Deposit HK$27.13M · loan HK$27.13M · min. income ≈ HK$262,924/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$2,305,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,620
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,311
−HK$3,744/mo
Today · 4.125%
HK$145,055
baseline
▲ 0.50% · 4.625%
HK$152,701
+HK$7,646/mo
Deposit HK$27.13M · loan HK$27.13M · min. income ≈ HK$290,110/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$2,305,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,445
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,063
−HK$4,691/mo
Today · 4.125%
HK$157,754
baseline
▲ 0.50% · 4.625%
HK$167,353
+HK$9,599/mo
Deposit HK$21.70M · loan HK$32.55M · min. income ≈ HK$315,508/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$2,305,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,144
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$169,573
−HK$4,493/mo
Today · 4.125%
HK$174,066
baseline
▲ 0.50% · 4.625%
HK$183,241
+HK$9,175/mo
Deposit HK$21.70M · loan HK$32.55M · min. income ≈ HK$348,132/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$2,305,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,186
−HK$10,860/mo
▼ 0.25% · 3.875%
HK$178,573
−HK$5,473/mo
Today · 4.125%
HK$184,046
baseline
▲ 0.50% · 4.625%
HK$195,245
+HK$11,199/mo
Deposit HK$16.28M · loan HK$37.98M · min. income ≈ HK$368,092/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$2,305,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,668
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$197,835
−HK$5,242/mo
Today · 4.125%
HK$203,077
baseline
▲ 0.50% · 4.625%
HK$213,781
+HK$10,704/mo
Deposit HK$16.28M · loan HK$37.98M · min. income ≈ HK$406,154/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$2,305,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,668
−HK$13,963/mo
▼ 0.25% · 3.875%
HK$229,594
−HK$7,037/mo
Today · 4.125%
HK$236,631
baseline
▲ 0.50% · 4.625%
HK$251,029
+HK$14,398/mo
Deposit HK$5.43M · loan HK$48.83M · min. income ≈ HK$473,262/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,305,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,716
−HK$13,383/mo
▼ 0.25% · 3.875%
HK$254,359
−HK$6,740/mo
Today · 4.125%
HK$261,099
baseline
▲ 0.50% · 4.625%
HK$274,862
+HK$13,763/mo
Deposit HK$5.43M · loan HK$48.83M · min. income ≈ HK$522,198/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,305,633 · Scale 2, in force from 26 Feb 2026)