LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,033
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,393
−HK$3,415/mo
Today · 4.125%
HK$114,808
baseline
▲ 0.50% · 4.625%
HK$121,793
+HK$6,985/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$229,616/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,186
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,409
−HK$3,270/mo
Today · 4.125%
HK$126,679
baseline
▲ 0.50% · 4.625%
HK$133,356
+HK$6,677/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$253,358/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,640
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,672
−HK$4,097/mo
Today · 4.125%
HK$137,769
baseline
▲ 0.50% · 4.625%
HK$146,152
+HK$8,383/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$275,538/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,223
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,091
−HK$3,924/mo
Today · 4.125%
HK$152,015
baseline
▲ 0.50% · 4.625%
HK$160,028
+HK$8,013/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$304,030/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,246
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$155,951
−HK$4,780/mo
Today · 4.125%
HK$160,731
baseline
▲ 0.50% · 4.625%
HK$170,511
+HK$9,780/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$321,462/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,260
−HK$9,091/mo
▼ 0.25% · 3.875%
HK$172,773
−HK$4,578/mo
Today · 4.125%
HK$177,351
baseline
▲ 0.50% · 4.625%
HK$186,699
+HK$9,348/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$354,702/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,459
−HK$12,195/mo
▼ 0.25% · 3.875%
HK$200,508
−HK$6,146/mo
Today · 4.125%
HK$206,654
baseline
▲ 0.50% · 4.625%
HK$219,228
+HK$12,574/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$413,308/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,334
−HK$11,688/mo
▼ 0.25% · 3.875%
HK$222,136
−HK$5,886/mo
Today · 4.125%
HK$228,022
baseline
▲ 0.50% · 4.625%
HK$240,041
+HK$12,019/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$456,044/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,548 · Scale 2, in force from 26 Feb 2026)