LTV · monthly repayment
▼ 0.50% · 3.625%
HK$124,416
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,286
−HK$3,932/mo
Today · 4.125%
HK$132,218
baseline
▲ 0.50% · 4.625%
HK$140,263
+HK$8,045/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$264,436/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,411
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,123
−HK$3,766/mo
Today · 4.125%
HK$145,889
baseline
▲ 0.50% · 4.625%
HK$153,579
+HK$7,690/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$291,778/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,299
−HK$9,362/mo
▼ 0.25% · 3.875%
HK$153,943
−HK$4,718/mo
Today · 4.125%
HK$158,661
baseline
▲ 0.50% · 4.625%
HK$168,315
+HK$9,654/mo
Deposit HK$21.82M · loan HK$32.74M · min. income ≈ HK$317,322/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,093
−HK$8,974/mo
▼ 0.25% · 3.875%
HK$170,548
−HK$4,519/mo
Today · 4.125%
HK$175,067
baseline
▲ 0.50% · 4.625%
HK$184,295
+HK$9,228/mo
Deposit HK$21.82M · loan HK$32.74M · min. income ≈ HK$350,134/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,182
−HK$10,923/mo
▼ 0.25% · 3.875%
HK$179,600
−HK$5,505/mo
Today · 4.125%
HK$185,105
baseline
▲ 0.50% · 4.625%
HK$196,368
+HK$11,263/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$370,210/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,318,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,776
−HK$10,469/mo
▼ 0.25% · 3.875%
HK$198,973
−HK$5,272/mo
Today · 4.125%
HK$204,245
baseline
▲ 0.50% · 4.625%
HK$215,011
+HK$10,766/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$408,490/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,318,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,948
−HK$14,044/mo
▼ 0.25% · 3.875%
HK$230,914
−HK$7,078/mo
Today · 4.125%
HK$237,992
baseline
▲ 0.50% · 4.625%
HK$252,473
+HK$14,481/mo
Deposit HK$5.46M · loan HK$49.11M · min. income ≈ HK$475,984/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$2,318,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,140
−HK$13,460/mo
▼ 0.25% · 3.875%
HK$255,822
−HK$6,778/mo
Today · 4.125%
HK$262,600
baseline
▲ 0.50% · 4.625%
HK$276,442
+HK$13,842/mo
Deposit HK$5.46M · loan HK$49.11M · min. income ≈ HK$525,200/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$2,318,891 · Scale 2, in force from 26 Feb 2026)