LTV · monthly repayment
▼ 0.50% · 3.625%
HK$124,410
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,279
−HK$3,932/mo
Today · 4.125%
HK$132,211
baseline
▲ 0.50% · 4.625%
HK$140,256
+HK$8,045/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$264,422/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,404
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,116
−HK$3,766/mo
Today · 4.125%
HK$145,882
baseline
▲ 0.50% · 4.625%
HK$153,572
+HK$7,690/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$291,764/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,292
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$153,935
−HK$4,718/mo
Today · 4.125%
HK$158,653
baseline
▲ 0.50% · 4.625%
HK$168,307
+HK$9,654/mo
Deposit HK$21.82M · loan HK$32.74M · min. income ≈ HK$317,306/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,085
−HK$8,973/mo
▼ 0.25% · 3.875%
HK$170,540
−HK$4,518/mo
Today · 4.125%
HK$175,058
baseline
▲ 0.50% · 4.625%
HK$184,286
+HK$9,228/mo
Deposit HK$21.82M · loan HK$32.74M · min. income ≈ HK$350,116/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,173
−HK$10,923/mo
▼ 0.25% · 3.875%
HK$179,591
−HK$5,505/mo
Today · 4.125%
HK$185,096
baseline
▲ 0.50% · 4.625%
HK$196,358
+HK$11,262/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$370,192/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,318,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,766
−HK$10,469/mo
▼ 0.25% · 3.875%
HK$198,963
−HK$5,272/mo
Today · 4.125%
HK$204,235
baseline
▲ 0.50% · 4.625%
HK$215,000
+HK$10,765/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$408,470/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,318,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,937
−HK$14,043/mo
▼ 0.25% · 3.875%
HK$230,903
−HK$7,077/mo
Today · 4.125%
HK$237,980
baseline
▲ 0.50% · 4.625%
HK$252,461
+HK$14,481/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$475,960/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,128
−HK$13,460/mo
▼ 0.25% · 3.875%
HK$255,810
−HK$6,778/mo
Today · 4.125%
HK$262,588
baseline
▲ 0.50% · 4.625%
HK$276,429
+HK$13,841/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$525,176/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,779 · Scale 2, in force from 26 Feb 2026)