LTV · monthly repayment
▼ 0.50% · 3.625%
HK$125,501
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,405
−HK$3,966/mo
Today · 4.125%
HK$133,371
baseline
▲ 0.50% · 4.625%
HK$141,486
+HK$8,115/mo
Deposit HK$27.52M · loan HK$27.52M · min. income ≈ HK$266,742/mo (50% DSR)
Upfront cash ≈ HK$29.86M (deposit + AVD stamp duty HK$2,339,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,618
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,363
−HK$3,799/mo
Today · 4.125%
HK$147,162
baseline
▲ 0.50% · 4.625%
HK$154,919
+HK$7,757/mo
Deposit HK$27.52M · loan HK$27.52M · min. income ≈ HK$294,324/mo (50% DSR)
Upfront cash ≈ HK$29.86M (deposit + AVD stamp duty HK$2,339,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,601
−HK$9,444/mo
▼ 0.25% · 3.875%
HK$155,286
−HK$4,759/mo
Today · 4.125%
HK$160,045
baseline
▲ 0.50% · 4.625%
HK$169,783
+HK$9,738/mo
Deposit HK$22.02M · loan HK$33.02M · min. income ≈ HK$320,090/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$2,339,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,542
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$172,036
−HK$4,558/mo
Today · 4.125%
HK$176,594
baseline
▲ 0.50% · 4.625%
HK$185,902
+HK$9,308/mo
Deposit HK$22.02M · loan HK$33.02M · min. income ≈ HK$353,188/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$2,339,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,701
−HK$11,018/mo
▼ 0.25% · 3.875%
HK$181,167
−HK$5,552/mo
Today · 4.125%
HK$186,719
baseline
▲ 0.50% · 4.625%
HK$198,081
+HK$11,362/mo
Deposit HK$16.51M · loan HK$38.53M · min. income ≈ HK$373,438/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$2,339,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,466
−HK$10,560/mo
▼ 0.25% · 3.875%
HK$200,708
−HK$5,318/mo
Today · 4.125%
HK$206,026
baseline
▲ 0.50% · 4.625%
HK$216,886
+HK$10,860/mo
Deposit HK$16.51M · loan HK$38.53M · min. income ≈ HK$412,052/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$2,339,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,902
−HK$14,166/mo
▼ 0.25% · 3.875%
HK$232,928
−HK$7,140/mo
Today · 4.125%
HK$240,068
baseline
▲ 0.50% · 4.625%
HK$254,675
+HK$14,607/mo
Deposit HK$5.50M · loan HK$49.53M · min. income ≈ HK$480,136/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,339,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,313
−HK$13,578/mo
▼ 0.25% · 3.875%
HK$258,053
−HK$6,838/mo
Today · 4.125%
HK$264,891
baseline
▲ 0.50% · 4.625%
HK$278,854
+HK$13,963/mo
Deposit HK$5.50M · loan HK$49.53M · min. income ≈ HK$529,782/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,339,118 · Scale 2, in force from 26 Feb 2026)