LTV · monthly repayment
▼ 0.50% · 3.625%
HK$124,248
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$128,113
−HK$3,926/mo
Today · 4.125%
HK$132,039
baseline
▲ 0.50% · 4.625%
HK$140,074
+HK$8,035/mo
Deposit HK$27.24M · loan HK$27.24M · min. income ≈ HK$264,078/mo (50% DSR)
Upfront cash ≈ HK$29.56M (deposit + AVD stamp duty HK$2,315,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,225
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$141,932
−HK$3,761/mo
Today · 4.125%
HK$145,693
baseline
▲ 0.50% · 4.625%
HK$153,372
+HK$7,679/mo
Deposit HK$27.24M · loan HK$27.24M · min. income ≈ HK$291,386/mo (50% DSR)
Upfront cash ≈ HK$29.56M (deposit + AVD stamp duty HK$2,315,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,098
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$153,735
−HK$4,712/mo
Today · 4.125%
HK$158,447
baseline
▲ 0.50% · 4.625%
HK$168,089
+HK$9,642/mo
Deposit HK$21.80M · loan HK$32.69M · min. income ≈ HK$316,894/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$2,315,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,870
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$170,318
−HK$4,513/mo
Today · 4.125%
HK$174,831
baseline
▲ 0.50% · 4.625%
HK$184,047
+HK$9,216/mo
Deposit HK$21.80M · loan HK$32.69M · min. income ≈ HK$349,662/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$2,315,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,947
−HK$10,908/mo
▼ 0.25% · 3.875%
HK$179,358
−HK$5,497/mo
Today · 4.125%
HK$184,855
baseline
▲ 0.50% · 4.625%
HK$196,103
+HK$11,248/mo
Deposit HK$16.35M · loan HK$38.14M · min. income ≈ HK$369,710/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$2,315,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,515
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$198,705
−HK$5,265/mo
Today · 4.125%
HK$203,970
baseline
▲ 0.50% · 4.625%
HK$214,721
+HK$10,751/mo
Deposit HK$16.35M · loan HK$38.14M · min. income ≈ HK$407,940/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$2,315,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,646
−HK$14,025/mo
▼ 0.25% · 3.875%
HK$230,603
−HK$7,068/mo
Today · 4.125%
HK$237,671
baseline
▲ 0.50% · 4.625%
HK$252,133
+HK$14,462/mo
Deposit HK$5.45M · loan HK$49.04M · min. income ≈ HK$475,342/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,315,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,804
−HK$13,443/mo
▼ 0.25% · 3.875%
HK$255,477
−HK$6,770/mo
Today · 4.125%
HK$262,247
baseline
▲ 0.50% · 4.625%
HK$276,070
+HK$13,823/mo
Deposit HK$5.45M · loan HK$49.04M · min. income ≈ HK$524,494/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,315,767 · Scale 2, in force from 26 Feb 2026)