LTV · monthly repayment
▼ 0.50% · 3.625%
HK$123,892
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,745
−HK$3,916/mo
Today · 4.125%
HK$131,661
baseline
▲ 0.50% · 4.625%
HK$139,672
+HK$8,011/mo
Deposit HK$27.17M · loan HK$27.17M · min. income ≈ HK$263,322/mo (50% DSR)
Upfront cash ≈ HK$29.48M (deposit + AVD stamp duty HK$2,309,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,828
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,525
−HK$3,750/mo
Today · 4.125%
HK$145,275
baseline
▲ 0.50% · 4.625%
HK$152,932
+HK$7,657/mo
Deposit HK$27.17M · loan HK$27.17M · min. income ≈ HK$290,550/mo (50% DSR)
Upfront cash ≈ HK$29.48M (deposit + AVD stamp duty HK$2,309,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,670
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$153,294
−HK$4,699/mo
Today · 4.125%
HK$157,993
baseline
▲ 0.50% · 4.625%
HK$167,606
+HK$9,613/mo
Deposit HK$21.73M · loan HK$32.60M · min. income ≈ HK$315,986/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,309,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,394
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$169,830
−HK$4,499/mo
Today · 4.125%
HK$174,329
baseline
▲ 0.50% · 4.625%
HK$183,519
+HK$9,190/mo
Deposit HK$21.73M · loan HK$32.60M · min. income ≈ HK$348,658/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,309,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,448
−HK$10,877/mo
▼ 0.25% · 3.875%
HK$178,843
−HK$5,482/mo
Today · 4.125%
HK$184,325
baseline
▲ 0.50% · 4.625%
HK$195,541
+HK$11,216/mo
Deposit HK$16.30M · loan HK$38.03M · min. income ≈ HK$368,650/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$2,309,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,959
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$198,134
−HK$5,250/mo
Today · 4.125%
HK$203,384
baseline
▲ 0.50% · 4.625%
HK$214,105
+HK$10,721/mo
Deposit HK$16.30M · loan HK$38.03M · min. income ≈ HK$406,768/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$2,309,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,005
−HK$13,984/mo
▼ 0.25% · 3.875%
HK$229,942
−HK$7,047/mo
Today · 4.125%
HK$236,989
baseline
▲ 0.50% · 4.625%
HK$251,409
+HK$14,420/mo
Deposit HK$5.43M · loan HK$48.90M · min. income ≈ HK$473,978/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,309,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,091
−HK$13,403/mo
▼ 0.25% · 3.875%
HK$254,744
−HK$6,750/mo
Today · 4.125%
HK$261,494
baseline
▲ 0.50% · 4.625%
HK$275,278
+HK$13,784/mo
Deposit HK$5.43M · loan HK$48.90M · min. income ≈ HK$522,988/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,309,124 · Scale 2, in force from 26 Feb 2026)