LTV · monthly repayment
▼ 0.50% · 3.625%
HK$124,186
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,049
−HK$3,924/mo
Today · 4.125%
HK$131,973
baseline
▲ 0.50% · 4.625%
HK$140,004
+HK$8,031/mo
Deposit HK$27.23M · loan HK$27.23M · min. income ≈ HK$263,946/mo (50% DSR)
Upfront cash ≈ HK$29.55M (deposit + AVD stamp duty HK$2,314,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,156
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,861
−HK$3,759/mo
Today · 4.125%
HK$145,620
baseline
▲ 0.50% · 4.625%
HK$153,296
+HK$7,676/mo
Deposit HK$27.23M · loan HK$27.23M · min. income ≈ HK$291,240/mo (50% DSR)
Upfront cash ≈ HK$29.55M (deposit + AVD stamp duty HK$2,314,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,023
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$153,659
−HK$4,709/mo
Today · 4.125%
HK$158,368
baseline
▲ 0.50% · 4.625%
HK$168,005
+HK$9,637/mo
Deposit HK$21.78M · loan HK$32.68M · min. income ≈ HK$316,736/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$2,314,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,787
−HK$8,957/mo
▼ 0.25% · 3.875%
HK$170,233
−HK$4,511/mo
Today · 4.125%
HK$174,744
baseline
▲ 0.50% · 4.625%
HK$183,955
+HK$9,211/mo
Deposit HK$21.78M · loan HK$32.68M · min. income ≈ HK$349,488/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$2,314,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,860
−HK$10,903/mo
▼ 0.25% · 3.875%
HK$179,268
−HK$5,495/mo
Today · 4.125%
HK$184,763
baseline
▲ 0.50% · 4.625%
HK$196,005
+HK$11,242/mo
Deposit HK$16.34M · loan HK$38.12M · min. income ≈ HK$369,526/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$2,314,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,418
−HK$10,450/mo
▼ 0.25% · 3.875%
HK$198,605
−HK$5,263/mo
Today · 4.125%
HK$203,868
baseline
▲ 0.50% · 4.625%
HK$214,614
+HK$10,746/mo
Deposit HK$16.34M · loan HK$38.12M · min. income ≈ HK$407,736/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$2,314,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,535
−HK$14,017/mo
▼ 0.25% · 3.875%
HK$230,488
−HK$7,064/mo
Today · 4.125%
HK$237,552
baseline
▲ 0.50% · 4.625%
HK$252,007
+HK$14,455/mo
Deposit HK$5.45M · loan HK$49.02M · min. income ≈ HK$475,104/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,314,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,680
−HK$13,435/mo
▼ 0.25% · 3.875%
HK$255,350
−HK$6,765/mo
Today · 4.125%
HK$262,115
baseline
▲ 0.50% · 4.625%
HK$275,932
+HK$13,817/mo
Deposit HK$5.45M · loan HK$49.02M · min. income ≈ HK$524,230/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,314,609 · Scale 2, in force from 26 Feb 2026)