LTV · monthly repayment
▼ 0.50% · 3.625%
HK$124,375
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,244
−HK$3,931/mo
Today · 4.125%
HK$132,175
baseline
▲ 0.50% · 4.625%
HK$140,217
+HK$8,042/mo
Deposit HK$27.27M · loan HK$27.27M · min. income ≈ HK$264,350/mo (50% DSR)
Upfront cash ≈ HK$29.59M (deposit + AVD stamp duty HK$2,318,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,366
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,077
−HK$3,765/mo
Today · 4.125%
HK$145,842
baseline
▲ 0.50% · 4.625%
HK$153,529
+HK$7,687/mo
Deposit HK$27.27M · loan HK$27.27M · min. income ≈ HK$291,684/mo (50% DSR)
Upfront cash ≈ HK$29.59M (deposit + AVD stamp duty HK$2,318,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,250
−HK$9,359/mo
▼ 0.25% · 3.875%
HK$153,893
−HK$4,716/mo
Today · 4.125%
HK$158,609
baseline
▲ 0.50% · 4.625%
HK$168,260
+HK$9,651/mo
Deposit HK$21.82M · loan HK$32.73M · min. income ≈ HK$317,218/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,039
−HK$8,971/mo
▼ 0.25% · 3.875%
HK$170,492
−HK$4,518/mo
Today · 4.125%
HK$175,010
baseline
▲ 0.50% · 4.625%
HK$184,235
+HK$9,225/mo
Deposit HK$21.82M · loan HK$32.73M · min. income ≈ HK$350,020/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,125
−HK$10,919/mo
▼ 0.25% · 3.875%
HK$179,541
−HK$5,503/mo
Today · 4.125%
HK$185,044
baseline
▲ 0.50% · 4.625%
HK$196,304
+HK$11,260/mo
Deposit HK$16.36M · loan HK$38.18M · min. income ≈ HK$370,088/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,318,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,712
−HK$10,466/mo
▼ 0.25% · 3.875%
HK$198,908
−HK$5,270/mo
Today · 4.125%
HK$204,178
baseline
▲ 0.50% · 4.625%
HK$214,941
+HK$10,763/mo
Deposit HK$16.36M · loan HK$38.18M · min. income ≈ HK$408,356/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,318,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,875
−HK$14,039/mo
▼ 0.25% · 3.875%
HK$230,839
−HK$7,075/mo
Today · 4.125%
HK$237,914
baseline
▲ 0.50% · 4.625%
HK$252,391
+HK$14,477/mo
Deposit HK$5.45M · loan HK$49.09M · min. income ≈ HK$475,828/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,059
−HK$13,456/mo
▼ 0.25% · 3.875%
HK$255,739
−HK$6,776/mo
Today · 4.125%
HK$262,515
baseline
▲ 0.50% · 4.625%
HK$276,352
+HK$13,837/mo
Deposit HK$5.45M · loan HK$49.09M · min. income ≈ HK$525,030/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,135 · Scale 2, in force from 26 Feb 2026)