LTV · monthly repayment
▼ 0.50% · 3.625%
HK$123,766
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,615
−HK$3,912/mo
Today · 4.125%
HK$131,527
baseline
▲ 0.50% · 4.625%
HK$139,530
+HK$8,003/mo
Deposit HK$27.14M · loan HK$27.14M · min. income ≈ HK$263,054/mo (50% DSR)
Upfront cash ≈ HK$29.45M (deposit + AVD stamp duty HK$2,306,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,688
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,381
−HK$3,746/mo
Today · 4.125%
HK$145,127
baseline
▲ 0.50% · 4.625%
HK$152,777
+HK$7,650/mo
Deposit HK$27.14M · loan HK$27.14M · min. income ≈ HK$290,254/mo (50% DSR)
Upfront cash ≈ HK$29.45M (deposit + AVD stamp duty HK$2,306,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,519
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$153,138
−HK$4,694/mo
Today · 4.125%
HK$157,832
baseline
▲ 0.50% · 4.625%
HK$167,436
+HK$9,604/mo
Deposit HK$21.71M · loan HK$32.57M · min. income ≈ HK$315,664/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$2,306,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,225
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$169,657
−HK$4,495/mo
Today · 4.125%
HK$174,152
baseline
▲ 0.50% · 4.625%
HK$183,332
+HK$9,180/mo
Deposit HK$21.71M · loan HK$32.57M · min. income ≈ HK$348,304/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$2,306,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,272
−HK$10,865/mo
▼ 0.25% · 3.875%
HK$178,661
−HK$5,476/mo
Today · 4.125%
HK$184,137
baseline
▲ 0.50% · 4.625%
HK$195,342
+HK$11,205/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$368,274/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,763
−HK$10,414/mo
▼ 0.25% · 3.875%
HK$197,933
−HK$5,244/mo
Today · 4.125%
HK$203,177
baseline
▲ 0.50% · 4.625%
HK$213,887
+HK$10,710/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$406,354/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,778
−HK$13,970/mo
▼ 0.25% · 3.875%
HK$229,708
−HK$7,040/mo
Today · 4.125%
HK$236,748
baseline
▲ 0.50% · 4.625%
HK$251,154
+HK$14,406/mo
Deposit HK$5.43M · loan HK$48.85M · min. income ≈ HK$473,496/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,838
−HK$13,390/mo
▼ 0.25% · 3.875%
HK$254,485
−HK$6,743/mo
Today · 4.125%
HK$261,228
baseline
▲ 0.50% · 4.625%
HK$274,998
+HK$13,770/mo
Deposit HK$5.43M · loan HK$48.85M · min. income ≈ HK$522,456/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,774 · Scale 2, in force from 26 Feb 2026)