LTV · monthly repayment
▼ 0.50% · 3.625%
HK$107,582
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,929
−HK$3,400/mo
Today · 4.125%
HK$114,329
baseline
▲ 0.50% · 4.625%
HK$121,285
+HK$6,956/mo
Deposit HK$23.59M · loan HK$23.59M · min. income ≈ HK$228,658/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$2,005,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,684
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,894
−HK$3,256/mo
Today · 4.125%
HK$126,150
baseline
▲ 0.50% · 4.625%
HK$132,800
+HK$6,650/mo
Deposit HK$23.59M · loan HK$23.59M · min. income ≈ HK$252,300/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$2,005,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,099
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$133,114
−HK$4,080/mo
Today · 4.125%
HK$137,194
baseline
▲ 0.50% · 4.625%
HK$145,542
+HK$8,348/mo
Deposit HK$18.87M · loan HK$28.31M · min. income ≈ HK$274,388/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,005,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,621
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$147,473
−HK$3,907/mo
Today · 4.125%
HK$151,380
baseline
▲ 0.50% · 4.625%
HK$159,360
+HK$7,980/mo
Deposit HK$18.87M · loan HK$28.31M · min. income ≈ HK$302,760/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,005,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,615
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$155,300
−HK$4,760/mo
Today · 4.125%
HK$160,060
baseline
▲ 0.50% · 4.625%
HK$169,799
+HK$9,739/mo
Deposit HK$14.15M · loan HK$33.03M · min. income ≈ HK$320,120/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,005,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,558
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$172,052
−HK$4,558/mo
Today · 4.125%
HK$176,610
baseline
▲ 0.50% · 4.625%
HK$185,920
+HK$9,310/mo
Deposit HK$14.15M · loan HK$33.03M · min. income ≈ HK$353,220/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,005,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,648
−HK$12,143/mo
▼ 0.25% · 3.875%
HK$199,672
−HK$6,119/mo
Today · 4.125%
HK$205,791
baseline
▲ 0.50% · 4.625%
HK$218,313
+HK$12,522/mo
Deposit HK$4.72M · loan HK$42.46M · min. income ≈ HK$411,582/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,005,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,431
−HK$11,640/mo
▼ 0.25% · 3.875%
HK$221,209
−HK$5,862/mo
Today · 4.125%
HK$227,071
baseline
▲ 0.50% · 4.625%
HK$239,040
+HK$11,969/mo
Deposit HK$4.72M · loan HK$42.46M · min. income ≈ HK$454,142/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,005,145 · Scale 2, in force from 26 Feb 2026)