LTV · monthly repayment
▼ 0.50% · 3.625%
HK$107,779
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,131
−HK$3,407/mo
Today · 4.125%
HK$114,538
baseline
▲ 0.50% · 4.625%
HK$121,507
+HK$6,969/mo
Deposit HK$23.63M · loan HK$23.63M · min. income ≈ HK$229,076/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$2,008,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,903
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,119
−HK$3,262/mo
Today · 4.125%
HK$126,381
baseline
▲ 0.50% · 4.625%
HK$133,043
+HK$6,662/mo
Deposit HK$23.63M · loan HK$23.63M · min. income ≈ HK$252,762/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$2,008,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,335
−HK$8,110/mo
▼ 0.25% · 3.875%
HK$133,358
−HK$4,087/mo
Today · 4.125%
HK$137,445
baseline
▲ 0.50% · 4.625%
HK$145,808
+HK$8,363/mo
Deposit HK$18.91M · loan HK$28.36M · min. income ≈ HK$274,890/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$2,008,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,884
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$147,742
−HK$3,915/mo
Today · 4.125%
HK$151,657
baseline
▲ 0.50% · 4.625%
HK$159,651
+HK$7,994/mo
Deposit HK$18.91M · loan HK$28.36M · min. income ≈ HK$303,314/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$2,008,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,891
−HK$9,462/mo
▼ 0.25% · 3.875%
HK$155,584
−HK$4,769/mo
Today · 4.125%
HK$160,353
baseline
▲ 0.50% · 4.625%
HK$170,110
+HK$9,757/mo
Deposit HK$14.18M · loan HK$33.09M · min. income ≈ HK$320,706/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$2,008,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,864
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$172,366
−HK$4,567/mo
Today · 4.125%
HK$176,933
baseline
▲ 0.50% · 4.625%
HK$186,260
+HK$9,327/mo
Deposit HK$14.18M · loan HK$33.09M · min. income ≈ HK$353,866/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$2,008,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,002
−HK$12,166/mo
▼ 0.25% · 3.875%
HK$200,037
−HK$6,131/mo
Today · 4.125%
HK$206,168
baseline
▲ 0.50% · 4.625%
HK$218,713
+HK$12,545/mo
Deposit HK$4.73M · loan HK$42.54M · min. income ≈ HK$412,336/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,008,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,825
−HK$11,661/mo
▼ 0.25% · 3.875%
HK$221,614
−HK$5,872/mo
Today · 4.125%
HK$227,486
baseline
▲ 0.50% · 4.625%
HK$239,477
+HK$11,991/mo
Deposit HK$4.73M · loan HK$42.54M · min. income ≈ HK$454,972/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,008,812 · Scale 2, in force from 26 Feb 2026)