LTV · monthly repayment
▼ 0.50% · 3.625%
HK$107,980
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,339
−HK$3,413/mo
Today · 4.125%
HK$114,752
baseline
▲ 0.50% · 4.625%
HK$121,734
+HK$6,982/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$229,504/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$2,012,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,127
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,349
−HK$3,268/mo
Today · 4.125%
HK$126,617
baseline
▲ 0.50% · 4.625%
HK$133,291
+HK$6,674/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$253,234/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$2,012,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,576
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,607
−HK$4,095/mo
Today · 4.125%
HK$137,702
baseline
▲ 0.50% · 4.625%
HK$146,081
+HK$8,379/mo
Deposit HK$18.94M · loan HK$28.41M · min. income ≈ HK$275,404/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,012,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,152
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,018
−HK$3,922/mo
Today · 4.125%
HK$151,940
baseline
▲ 0.50% · 4.625%
HK$159,949
+HK$8,009/mo
Deposit HK$18.94M · loan HK$28.41M · min. income ≈ HK$303,880/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,012,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,172
−HK$9,480/mo
▼ 0.25% · 3.875%
HK$155,875
−HK$4,777/mo
Today · 4.125%
HK$160,652
baseline
▲ 0.50% · 4.625%
HK$170,427
+HK$9,775/mo
Deposit HK$14.21M · loan HK$33.15M · min. income ≈ HK$321,304/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,012,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,178
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$172,688
−HK$4,576/mo
Today · 4.125%
HK$177,264
baseline
▲ 0.50% · 4.625%
HK$186,608
+HK$9,344/mo
Deposit HK$14.21M · loan HK$33.15M · min. income ≈ HK$354,528/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,012,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,364
−HK$12,189/mo
▼ 0.25% · 3.875%
HK$200,410
−HK$6,143/mo
Today · 4.125%
HK$206,553
baseline
▲ 0.50% · 4.625%
HK$219,121
+HK$12,568/mo
Deposit HK$4.74M · loan HK$42.62M · min. income ≈ HK$413,106/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,012,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,229
−HK$11,682/mo
▼ 0.25% · 3.875%
HK$222,028
−HK$5,883/mo
Today · 4.125%
HK$227,911
baseline
▲ 0.50% · 4.625%
HK$239,924
+HK$12,013/mo
Deposit HK$4.74M · loan HK$42.62M · min. income ≈ HK$455,822/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,012,564 · Scale 2, in force from 26 Feb 2026)