LTV · monthly repayment
▼ 0.50% · 3.625%
HK$124,397
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,266
−HK$3,932/mo
Today · 4.125%
HK$132,198
baseline
▲ 0.50% · 4.625%
HK$140,241
+HK$8,043/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$264,396/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,390
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,102
−HK$3,765/mo
Today · 4.125%
HK$145,867
baseline
▲ 0.50% · 4.625%
HK$153,556
+HK$7,689/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$291,734/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,276
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$153,919
−HK$4,718/mo
Today · 4.125%
HK$158,637
baseline
▲ 0.50% · 4.625%
HK$168,290
+HK$9,653/mo
Deposit HK$21.82M · loan HK$32.73M · min. income ≈ HK$317,274/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,068
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,522
−HK$4,518/mo
Today · 4.125%
HK$175,040
baseline
▲ 0.50% · 4.625%
HK$184,267
+HK$9,227/mo
Deposit HK$21.82M · loan HK$32.73M · min. income ≈ HK$350,080/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,155
−HK$10,922/mo
▼ 0.25% · 3.875%
HK$179,573
−HK$5,504/mo
Today · 4.125%
HK$185,077
baseline
▲ 0.50% · 4.625%
HK$196,338
+HK$11,261/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$370,154/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,318,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,746
−HK$10,468/mo
▼ 0.25% · 3.875%
HK$198,942
−HK$5,272/mo
Today · 4.125%
HK$204,214
baseline
▲ 0.50% · 4.625%
HK$214,978
+HK$10,764/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$408,428/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,318,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,914
−HK$14,042/mo
▼ 0.25% · 3.875%
HK$230,879
−HK$7,077/mo
Today · 4.125%
HK$237,956
baseline
▲ 0.50% · 4.625%
HK$252,435
+HK$14,479/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$475,912/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,102
−HK$13,458/mo
▼ 0.25% · 3.875%
HK$255,783
−HK$6,777/mo
Today · 4.125%
HK$262,560
baseline
▲ 0.50% · 4.625%
HK$276,400
+HK$13,840/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$525,120/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,538 · Scale 2, in force from 26 Feb 2026)