LTV · monthly repayment
▼ 0.50% · 3.625%
HK$123,871
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,724
−HK$3,914/mo
Today · 4.125%
HK$131,638
baseline
▲ 0.50% · 4.625%
HK$139,648
+HK$8,010/mo
Deposit HK$27.16M · loan HK$27.16M · min. income ≈ HK$263,276/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,308,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,805
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,501
−HK$3,749/mo
Today · 4.125%
HK$145,250
baseline
▲ 0.50% · 4.625%
HK$152,906
+HK$7,656/mo
Deposit HK$27.16M · loan HK$27.16M · min. income ≈ HK$290,500/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,308,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,645
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$153,268
−HK$4,698/mo
Today · 4.125%
HK$157,966
baseline
▲ 0.50% · 4.625%
HK$167,578
+HK$9,612/mo
Deposit HK$21.73M · loan HK$32.59M · min. income ≈ HK$315,932/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,308,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,366
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$169,801
−HK$4,499/mo
Today · 4.125%
HK$174,300
baseline
▲ 0.50% · 4.625%
HK$183,488
+HK$9,188/mo
Deposit HK$21.73M · loan HK$32.59M · min. income ≈ HK$348,600/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,308,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,419
−HK$10,875/mo
▼ 0.25% · 3.875%
HK$178,813
−HK$5,481/mo
Today · 4.125%
HK$184,294
baseline
▲ 0.50% · 4.625%
HK$195,508
+HK$11,214/mo
Deposit HK$16.30M · loan HK$38.03M · min. income ≈ HK$368,588/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$2,308,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,927
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$198,101
−HK$5,249/mo
Today · 4.125%
HK$203,350
baseline
▲ 0.50% · 4.625%
HK$214,069
+HK$10,719/mo
Deposit HK$16.30M · loan HK$38.03M · min. income ≈ HK$406,700/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$2,308,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,967
−HK$13,982/mo
▼ 0.25% · 3.875%
HK$229,903
−HK$7,046/mo
Today · 4.125%
HK$236,949
baseline
▲ 0.50% · 4.625%
HK$251,367
+HK$14,418/mo
Deposit HK$5.43M · loan HK$48.89M · min. income ≈ HK$473,898/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,308,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,049
−HK$13,401/mo
▼ 0.25% · 3.875%
HK$254,701
−HK$6,749/mo
Today · 4.125%
HK$261,450
baseline
▲ 0.50% · 4.625%
HK$275,231
+HK$13,781/mo
Deposit HK$5.43M · loan HK$48.89M · min. income ≈ HK$522,900/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,308,732 · Scale 2, in force from 26 Feb 2026)