LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,365
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,735
−HK$3,425/mo
Today · 4.125%
HK$115,160
baseline
▲ 0.50% · 4.625%
HK$122,167
+HK$7,007/mo
Deposit HK$23.76M · loan HK$23.76M · min. income ≈ HK$230,320/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,019,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,555
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,788
−HK$3,280/mo
Today · 4.125%
HK$127,068
baseline
▲ 0.50% · 4.625%
HK$133,766
+HK$6,698/mo
Deposit HK$23.76M · loan HK$23.76M · min. income ≈ HK$254,136/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,019,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,038
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,083
−HK$4,109/mo
Today · 4.125%
HK$138,192
baseline
▲ 0.50% · 4.625%
HK$146,601
+HK$8,409/mo
Deposit HK$19.01M · loan HK$28.51M · min. income ≈ HK$276,384/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$2,019,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,666
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,545
−HK$3,936/mo
Today · 4.125%
HK$152,481
baseline
▲ 0.50% · 4.625%
HK$160,519
+HK$8,038/mo
Deposit HK$19.01M · loan HK$28.51M · min. income ≈ HK$304,962/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$2,019,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,711
−HK$9,513/mo
▼ 0.25% · 3.875%
HK$156,430
−HK$4,794/mo
Today · 4.125%
HK$161,224
baseline
▲ 0.50% · 4.625%
HK$171,034
+HK$9,810/mo
Deposit HK$14.26M · loan HK$33.27M · min. income ≈ HK$322,448/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,019,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,777
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$173,303
−HK$4,592/mo
Today · 4.125%
HK$177,895
baseline
▲ 0.50% · 4.625%
HK$187,272
+HK$9,377/mo
Deposit HK$14.26M · loan HK$33.27M · min. income ≈ HK$355,790/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,019,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,056
−HK$12,232/mo
▼ 0.25% · 3.875%
HK$201,124
−HK$6,164/mo
Today · 4.125%
HK$207,288
baseline
▲ 0.50% · 4.625%
HK$219,901
+HK$12,613/mo
Deposit HK$4.75M · loan HK$42.77M · min. income ≈ HK$414,576/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,019,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,998
−HK$11,724/mo
▼ 0.25% · 3.875%
HK$222,818
−HK$5,904/mo
Today · 4.125%
HK$228,722
baseline
▲ 0.50% · 4.625%
HK$240,778
+HK$12,056/mo
Deposit HK$4.75M · loan HK$42.77M · min. income ≈ HK$457,444/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,019,729 · Scale 2, in force from 26 Feb 2026)