LTV · monthly repayment
▼ 0.50% · 3.625%
HK$125,116
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$129,007
−HK$3,954/mo
Today · 4.125%
HK$132,961
baseline
▲ 0.50% · 4.625%
HK$141,052
+HK$8,091/mo
Deposit HK$27.43M · loan HK$27.43M · min. income ≈ HK$265,922/mo (50% DSR)
Upfront cash ≈ HK$29.77M (deposit + AVD stamp duty HK$2,331,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,190
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,923
−HK$3,787/mo
Today · 4.125%
HK$146,710
baseline
▲ 0.50% · 4.625%
HK$154,443
+HK$7,733/mo
Deposit HK$27.43M · loan HK$27.43M · min. income ≈ HK$293,420/mo (50% DSR)
Upfront cash ≈ HK$29.77M (deposit + AVD stamp duty HK$2,331,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,139
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$154,809
−HK$4,745/mo
Today · 4.125%
HK$159,554
baseline
▲ 0.50% · 4.625%
HK$169,262
+HK$9,708/mo
Deposit HK$21.95M · loan HK$32.92M · min. income ≈ HK$319,108/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$2,331,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,028
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$171,507
−HK$4,545/mo
Today · 4.125%
HK$176,052
baseline
▲ 0.50% · 4.625%
HK$185,332
+HK$9,280/mo
Deposit HK$21.95M · loan HK$32.92M · min. income ≈ HK$352,104/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$2,331,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,162
−HK$10,984/mo
▼ 0.25% · 3.875%
HK$180,610
−HK$5,536/mo
Today · 4.125%
HK$186,146
baseline
▲ 0.50% · 4.625%
HK$197,473
+HK$11,327/mo
Deposit HK$16.46M · loan HK$38.41M · min. income ≈ HK$372,292/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$2,331,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,866
−HK$10,528/mo
▼ 0.25% · 3.875%
HK$200,092
−HK$5,302/mo
Today · 4.125%
HK$205,394
baseline
▲ 0.50% · 4.625%
HK$216,220
+HK$10,826/mo
Deposit HK$16.46M · loan HK$38.41M · min. income ≈ HK$410,788/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$2,331,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,208
−HK$14,123/mo
▼ 0.25% · 3.875%
HK$232,213
−HK$7,118/mo
Today · 4.125%
HK$239,331
baseline
▲ 0.50% · 4.625%
HK$253,893
+HK$14,562/mo
Deposit HK$5.49M · loan HK$49.38M · min. income ≈ HK$478,662/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$2,331,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,542
−HK$13,536/mo
▼ 0.25% · 3.875%
HK$257,261
−HK$6,817/mo
Today · 4.125%
HK$264,078
baseline
▲ 0.50% · 4.625%
HK$277,998
+HK$13,920/mo
Deposit HK$5.49M · loan HK$49.38M · min. income ≈ HK$528,156/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$2,331,937 · Scale 2, in force from 26 Feb 2026)