LTV · monthly repayment
▼ 0.50% · 3.625%
HK$107,635
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,983
−HK$3,402/mo
Today · 4.125%
HK$114,385
baseline
▲ 0.50% · 4.625%
HK$121,345
+HK$6,960/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$228,770/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,743
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,955
−HK$3,257/mo
Today · 4.125%
HK$126,212
baseline
▲ 0.50% · 4.625%
HK$132,865
+HK$6,653/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$252,424/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,162
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$133,180
−HK$4,082/mo
Today · 4.125%
HK$137,262
baseline
▲ 0.50% · 4.625%
HK$145,614
+HK$8,352/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$274,524/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,692
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,545
−HK$3,910/mo
Today · 4.125%
HK$151,455
baseline
▲ 0.50% · 4.625%
HK$159,438
+HK$7,983/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$302,910/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,689
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$155,377
−HK$4,762/mo
Today · 4.125%
HK$160,139
baseline
▲ 0.50% · 4.625%
HK$169,883
+HK$9,744/mo
Deposit HK$14.16M · loan HK$33.04M · min. income ≈ HK$320,278/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,640
−HK$9,057/mo
▼ 0.25% · 3.875%
HK$172,136
−HK$4,561/mo
Today · 4.125%
HK$176,697
baseline
▲ 0.50% · 4.625%
HK$186,011
+HK$9,314/mo
Deposit HK$14.16M · loan HK$33.04M · min. income ≈ HK$353,394/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,743
−HK$12,150/mo
▼ 0.25% · 3.875%
HK$199,770
−HK$6,123/mo
Today · 4.125%
HK$205,893
baseline
▲ 0.50% · 4.625%
HK$218,421
+HK$12,528/mo
Deposit HK$4.72M · loan HK$42.48M · min. income ≈ HK$411,786/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,538
−HK$11,644/mo
▼ 0.25% · 3.875%
HK$221,318
−HK$5,864/mo
Today · 4.125%
HK$227,182
baseline
▲ 0.50% · 4.625%
HK$239,157
+HK$11,975/mo
Deposit HK$4.72M · loan HK$42.48M · min. income ≈ HK$454,364/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,133 · Scale 2, in force from 26 Feb 2026)