LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,150
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,514
−HK$3,418/mo
Today · 4.125%
HK$114,932
baseline
▲ 0.50% · 4.625%
HK$121,926
+HK$6,994/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$229,864/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,015,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,316
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,543
−HK$3,273/mo
Today · 4.125%
HK$126,816
baseline
▲ 0.50% · 4.625%
HK$133,501
+HK$6,685/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$253,632/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,015,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,780
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$133,817
−HK$4,102/mo
Today · 4.125%
HK$137,919
baseline
▲ 0.50% · 4.625%
HK$146,311
+HK$8,392/mo
Deposit HK$18.97M · loan HK$28.46M · min. income ≈ HK$275,838/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,015,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,379
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,252
−HK$3,928/mo
Today · 4.125%
HK$152,180
baseline
▲ 0.50% · 4.625%
HK$160,201
+HK$8,021/mo
Deposit HK$18.97M · loan HK$28.46M · min. income ≈ HK$304,360/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,015,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,410
−HK$9,495/mo
▼ 0.25% · 3.875%
HK$156,120
−HK$4,785/mo
Today · 4.125%
HK$160,905
baseline
▲ 0.50% · 4.625%
HK$170,696
+HK$9,791/mo
Deposit HK$14.23M · loan HK$33.20M · min. income ≈ HK$321,810/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,443
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$172,960
−HK$4,583/mo
Today · 4.125%
HK$177,543
baseline
▲ 0.50% · 4.625%
HK$186,902
+HK$9,359/mo
Deposit HK$14.23M · loan HK$33.20M · min. income ≈ HK$355,086/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,671
−HK$12,207/mo
▼ 0.25% · 3.875%
HK$200,726
−HK$6,152/mo
Today · 4.125%
HK$206,878
baseline
▲ 0.50% · 4.625%
HK$219,466
+HK$12,588/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$413,756/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,569
−HK$11,701/mo
▼ 0.25% · 3.875%
HK$222,377
−HK$5,893/mo
Today · 4.125%
HK$228,270
baseline
▲ 0.50% · 4.625%
HK$240,302
+HK$12,032/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$456,540/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,734 · Scale 2, in force from 26 Feb 2026)