LTV · monthly repayment
▼ 0.50% · 3.625%
HK$123,811
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$127,662
−HK$3,913/mo
Today · 4.125%
HK$131,575
baseline
▲ 0.50% · 4.625%
HK$139,581
+HK$8,006/mo
Deposit HK$27.15M · loan HK$27.15M · min. income ≈ HK$263,150/mo (50% DSR)
Upfront cash ≈ HK$29.46M (deposit + AVD stamp duty HK$2,307,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,738
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,432
−HK$3,748/mo
Today · 4.125%
HK$145,180
baseline
▲ 0.50% · 4.625%
HK$152,832
+HK$7,652/mo
Deposit HK$27.15M · loan HK$27.15M · min. income ≈ HK$290,360/mo (50% DSR)
Upfront cash ≈ HK$29.46M (deposit + AVD stamp duty HK$2,307,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,573
−HK$9,317/mo
▼ 0.25% · 3.875%
HK$153,194
−HK$4,696/mo
Today · 4.125%
HK$157,890
baseline
▲ 0.50% · 4.625%
HK$167,497
+HK$9,607/mo
Deposit HK$21.72M · loan HK$32.58M · min. income ≈ HK$315,780/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$2,307,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,286
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$169,719
−HK$4,497/mo
Today · 4.125%
HK$174,216
baseline
▲ 0.50% · 4.625%
HK$183,399
+HK$9,183/mo
Deposit HK$21.72M · loan HK$32.58M · min. income ≈ HK$348,432/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$2,307,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,335
−HK$10,870/mo
▼ 0.25% · 3.875%
HK$178,727
−HK$5,478/mo
Today · 4.125%
HK$184,205
baseline
▲ 0.50% · 4.625%
HK$195,413
+HK$11,208/mo
Deposit HK$16.29M · loan HK$38.01M · min. income ≈ HK$368,410/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$2,307,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,833
−HK$10,419/mo
▼ 0.25% · 3.875%
HK$198,005
−HK$5,247/mo
Today · 4.125%
HK$203,252
baseline
▲ 0.50% · 4.625%
HK$213,965
+HK$10,713/mo
Deposit HK$16.29M · loan HK$38.01M · min. income ≈ HK$406,504/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$2,307,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,859
−HK$13,975/mo
▼ 0.25% · 3.875%
HK$229,791
−HK$7,043/mo
Today · 4.125%
HK$236,834
baseline
▲ 0.50% · 4.625%
HK$251,245
+HK$14,411/mo
Deposit HK$5.43M · loan HK$48.87M · min. income ≈ HK$473,668/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,307,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,929
−HK$13,394/mo
▼ 0.25% · 3.875%
HK$254,578
−HK$6,745/mo
Today · 4.125%
HK$261,323
baseline
▲ 0.50% · 4.625%
HK$275,098
+HK$13,775/mo
Deposit HK$5.43M · loan HK$48.87M · min. income ≈ HK$522,646/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,307,616 · Scale 2, in force from 26 Feb 2026)