LTV · monthly repayment
▼ 0.50% · 3.625%
HK$124,395
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,264
−HK$3,931/mo
Today · 4.125%
HK$132,195
baseline
▲ 0.50% · 4.625%
HK$140,239
+HK$8,044/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$264,390/mo (50% DSR)
Upfront cash ≈ HK$29.59M (deposit + AVD stamp duty HK$2,318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,388
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,099
−HK$3,765/mo
Today · 4.125%
HK$145,864
baseline
▲ 0.50% · 4.625%
HK$153,553
+HK$7,689/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$291,728/mo (50% DSR)
Upfront cash ≈ HK$29.59M (deposit + AVD stamp duty HK$2,318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,273
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$153,917
−HK$4,717/mo
Today · 4.125%
HK$158,634
baseline
▲ 0.50% · 4.625%
HK$168,287
+HK$9,653/mo
Deposit HK$21.82M · loan HK$32.73M · min. income ≈ HK$317,268/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,065
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,519
−HK$4,518/mo
Today · 4.125%
HK$175,037
baseline
▲ 0.50% · 4.625%
HK$184,264
+HK$9,227/mo
Deposit HK$21.82M · loan HK$32.73M · min. income ≈ HK$350,074/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,152
−HK$10,921/mo
▼ 0.25% · 3.875%
HK$179,569
−HK$5,504/mo
Today · 4.125%
HK$185,073
baseline
▲ 0.50% · 4.625%
HK$196,334
+HK$11,261/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$370,146/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,743
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$198,939
−HK$5,271/mo
Today · 4.125%
HK$204,210
baseline
▲ 0.50% · 4.625%
HK$214,974
+HK$10,764/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$408,420/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,910
−HK$14,041/mo
▼ 0.25% · 3.875%
HK$230,875
−HK$7,076/mo
Today · 4.125%
HK$237,951
baseline
▲ 0.50% · 4.625%
HK$252,430
+HK$14,479/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$475,902/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,098
−HK$13,458/mo
▼ 0.25% · 3.875%
HK$255,778
−HK$6,778/mo
Today · 4.125%
HK$262,556
baseline
▲ 0.50% · 4.625%
HK$276,395
+HK$13,839/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$525,112/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,497 · Scale 2, in force from 26 Feb 2026)