LTV · monthly repayment
▼ 0.50% · 3.625%
HK$124,212
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,075
−HK$3,926/mo
Today · 4.125%
HK$132,001
baseline
▲ 0.50% · 4.625%
HK$140,033
+HK$8,032/mo
Deposit HK$27.24M · loan HK$27.24M · min. income ≈ HK$264,002/mo (50% DSR)
Upfront cash ≈ HK$29.55M (deposit + AVD stamp duty HK$2,315,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,184
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,890
−HK$3,760/mo
Today · 4.125%
HK$145,650
baseline
▲ 0.50% · 4.625%
HK$153,327
+HK$7,677/mo
Deposit HK$27.24M · loan HK$27.24M · min. income ≈ HK$291,300/mo (50% DSR)
Upfront cash ≈ HK$29.55M (deposit + AVD stamp duty HK$2,315,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,054
−HK$9,347/mo
▼ 0.25% · 3.875%
HK$153,690
−HK$4,711/mo
Today · 4.125%
HK$158,401
baseline
▲ 0.50% · 4.625%
HK$168,039
+HK$9,638/mo
Deposit HK$21.79M · loan HK$32.68M · min. income ≈ HK$316,802/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$2,315,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,821
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$170,268
−HK$4,512/mo
Today · 4.125%
HK$174,780
baseline
▲ 0.50% · 4.625%
HK$183,993
+HK$9,213/mo
Deposit HK$21.79M · loan HK$32.68M · min. income ≈ HK$349,560/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$2,315,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,896
−HK$10,905/mo
▼ 0.25% · 3.875%
HK$179,305
−HK$5,496/mo
Today · 4.125%
HK$184,801
baseline
▲ 0.50% · 4.625%
HK$196,046
+HK$11,245/mo
Deposit HK$16.34M · loan HK$38.13M · min. income ≈ HK$369,602/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$2,315,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,458
−HK$10,452/mo
▼ 0.25% · 3.875%
HK$198,646
−HK$5,264/mo
Today · 4.125%
HK$203,910
baseline
▲ 0.50% · 4.625%
HK$214,658
+HK$10,748/mo
Deposit HK$16.34M · loan HK$38.13M · min. income ≈ HK$407,820/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$2,315,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,581
−HK$14,020/mo
▼ 0.25% · 3.875%
HK$230,535
−HK$7,066/mo
Today · 4.125%
HK$237,601
baseline
▲ 0.50% · 4.625%
HK$252,059
+HK$14,458/mo
Deposit HK$5.45M · loan HK$49.03M · min. income ≈ HK$475,202/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,315,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,731
−HK$13,439/mo
▼ 0.25% · 3.875%
HK$255,402
−HK$6,768/mo
Today · 4.125%
HK$262,170
baseline
▲ 0.50% · 4.625%
HK$275,989
+HK$13,819/mo
Deposit HK$5.45M · loan HK$49.03M · min. income ≈ HK$524,340/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,315,087 · Scale 2, in force from 26 Feb 2026)