LTV · monthly repayment
▼ 0.50% · 3.625%
HK$107,835
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,189
−HK$3,408/mo
Today · 4.125%
HK$114,597
baseline
▲ 0.50% · 4.625%
HK$121,570
+HK$6,973/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$229,194/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,009,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,965
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,182
−HK$3,264/mo
Today · 4.125%
HK$126,446
baseline
▲ 0.50% · 4.625%
HK$133,112
+HK$6,666/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$252,892/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,009,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,402
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,427
−HK$4,089/mo
Today · 4.125%
HK$137,516
baseline
▲ 0.50% · 4.625%
HK$145,884
+HK$8,368/mo
Deposit HK$18.92M · loan HK$28.37M · min. income ≈ HK$275,032/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,009,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,958
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,819
−HK$3,917/mo
Today · 4.125%
HK$151,736
baseline
▲ 0.50% · 4.625%
HK$159,734
+HK$7,998/mo
Deposit HK$18.92M · loan HK$28.37M · min. income ≈ HK$303,472/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,009,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,969
−HK$9,467/mo
▼ 0.25% · 3.875%
HK$155,665
−HK$4,771/mo
Today · 4.125%
HK$160,436
baseline
▲ 0.50% · 4.625%
HK$170,198
+HK$9,762/mo
Deposit HK$14.19M · loan HK$33.10M · min. income ≈ HK$320,872/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,009,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,951
−HK$9,074/mo
▼ 0.25% · 3.875%
HK$172,455
−HK$4,570/mo
Today · 4.125%
HK$177,025
baseline
▲ 0.50% · 4.625%
HK$186,356
+HK$9,331/mo
Deposit HK$14.19M · loan HK$33.10M · min. income ≈ HK$354,050/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,009,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,103
−HK$12,171/mo
▼ 0.25% · 3.875%
HK$200,140
−HK$6,134/mo
Today · 4.125%
HK$206,274
baseline
▲ 0.50% · 4.625%
HK$218,826
+HK$12,552/mo
Deposit HK$4.73M · loan HK$42.56M · min. income ≈ HK$412,548/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,009,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,937
−HK$11,667/mo
▼ 0.25% · 3.875%
HK$221,728
−HK$5,876/mo
Today · 4.125%
HK$227,604
baseline
▲ 0.50% · 4.625%
HK$239,601
+HK$11,997/mo
Deposit HK$4.73M · loan HK$42.56M · min. income ≈ HK$455,208/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,009,852 · Scale 2, in force from 26 Feb 2026)