LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,209
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,575
−HK$3,419/mo
Today · 4.125%
HK$114,994
baseline
▲ 0.50% · 4.625%
HK$121,991
+HK$6,997/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$229,988/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,381
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,610
−HK$3,275/mo
Today · 4.125%
HK$126,885
baseline
▲ 0.50% · 4.625%
HK$133,573
+HK$6,688/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$253,770/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,850
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$133,889
−HK$4,104/mo
Today · 4.125%
HK$137,993
baseline
▲ 0.50% · 4.625%
HK$146,390
+HK$8,397/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$275,986/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,457
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$148,332
−HK$3,930/mo
Today · 4.125%
HK$152,262
baseline
▲ 0.50% · 4.625%
HK$160,288
+HK$8,026/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$304,524/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,492
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$156,204
−HK$4,788/mo
Today · 4.125%
HK$160,992
baseline
▲ 0.50% · 4.625%
HK$170,788
+HK$9,796/mo
Deposit HK$14.24M · loan HK$33.22M · min. income ≈ HK$321,984/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,533
−HK$9,106/mo
▼ 0.25% · 3.875%
HK$173,053
−HK$4,586/mo
Today · 4.125%
HK$177,639
baseline
▲ 0.50% · 4.625%
HK$187,002
+HK$9,363/mo
Deposit HK$14.24M · loan HK$33.22M · min. income ≈ HK$355,278/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,776
−HK$12,214/mo
▼ 0.25% · 3.875%
HK$200,834
−HK$6,156/mo
Today · 4.125%
HK$206,990
baseline
▲ 0.50% · 4.625%
HK$219,585
+HK$12,595/mo
Deposit HK$4.75M · loan HK$42.71M · min. income ≈ HK$413,980/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,686
−HK$11,707/mo
▼ 0.25% · 3.875%
HK$222,497
−HK$5,896/mo
Today · 4.125%
HK$228,393
baseline
▲ 0.50% · 4.625%
HK$240,432
+HK$12,039/mo
Deposit HK$4.75M · loan HK$42.71M · min. income ≈ HK$456,786/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,821 · Scale 2, in force from 26 Feb 2026)