LTV · monthly repayment
▼ 0.50% · 3.625%
HK$123,967
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$127,823
−HK$3,918/mo
Today · 4.125%
HK$131,741
baseline
▲ 0.50% · 4.625%
HK$139,757
+HK$8,016/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$263,482/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,912
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$141,611
−HK$3,752/mo
Today · 4.125%
HK$145,363
baseline
▲ 0.50% · 4.625%
HK$153,025
+HK$7,662/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$290,726/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,760
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$153,388
−HK$4,701/mo
Today · 4.125%
HK$158,089
baseline
▲ 0.50% · 4.625%
HK$167,708
+HK$9,619/mo
Deposit HK$21.75M · loan HK$32.62M · min. income ≈ HK$316,178/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$2,310,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,494
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$169,933
−HK$4,503/mo
Today · 4.125%
HK$174,436
baseline
▲ 0.50% · 4.625%
HK$183,630
+HK$9,194/mo
Deposit HK$21.75M · loan HK$32.62M · min. income ≈ HK$348,872/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$2,310,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,554
−HK$10,883/mo
▼ 0.25% · 3.875%
HK$178,952
−HK$5,485/mo
Today · 4.125%
HK$184,437
baseline
▲ 0.50% · 4.625%
HK$195,660
+HK$11,223/mo
Deposit HK$16.31M · loan HK$38.06M · min. income ≈ HK$368,874/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,077
−HK$10,431/mo
▼ 0.25% · 3.875%
HK$198,255
−HK$5,253/mo
Today · 4.125%
HK$203,508
baseline
▲ 0.50% · 4.625%
HK$214,235
+HK$10,727/mo
Deposit HK$16.31M · loan HK$38.06M · min. income ≈ HK$407,016/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,141
−HK$13,993/mo
▼ 0.25% · 3.875%
HK$230,082
−HK$7,052/mo
Today · 4.125%
HK$237,134
baseline
▲ 0.50% · 4.625%
HK$251,563
+HK$14,429/mo
Deposit HK$5.44M · loan HK$48.93M · min. income ≈ HK$474,268/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,242
−HK$13,411/mo
▼ 0.25% · 3.875%
HK$254,899
−HK$6,754/mo
Today · 4.125%
HK$261,653
baseline
▲ 0.50% · 4.625%
HK$275,446
+HK$13,793/mo
Deposit HK$5.44M · loan HK$48.93M · min. income ≈ HK$523,306/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,529 · Scale 2, in force from 26 Feb 2026)