LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,406
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,778
−HK$3,426/mo
Today · 4.125%
HK$115,204
baseline
▲ 0.50% · 4.625%
HK$122,214
+HK$7,010/mo
Deposit HK$23.77M · loan HK$23.77M · min. income ≈ HK$230,408/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,020,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,600
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,835
−HK$3,281/mo
Today · 4.125%
HK$127,116
baseline
▲ 0.50% · 4.625%
HK$133,817
+HK$6,701/mo
Deposit HK$23.77M · loan HK$23.77M · min. income ≈ HK$254,232/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,020,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,087
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,133
−HK$4,112/mo
Today · 4.125%
HK$138,245
baseline
▲ 0.50% · 4.625%
HK$146,656
+HK$8,411/mo
Deposit HK$19.02M · loan HK$28.52M · min. income ≈ HK$276,490/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,721
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$148,602
−HK$3,937/mo
Today · 4.125%
HK$152,539
baseline
▲ 0.50% · 4.625%
HK$160,580
+HK$8,041/mo
Deposit HK$19.02M · loan HK$28.52M · min. income ≈ HK$305,078/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,768
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$156,489
−HK$4,796/mo
Today · 4.125%
HK$161,285
baseline
▲ 0.50% · 4.625%
HK$171,099
+HK$9,814/mo
Deposit HK$14.26M · loan HK$33.28M · min. income ≈ HK$322,570/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,020,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,841
−HK$9,122/mo
▼ 0.25% · 3.875%
HK$173,369
−HK$4,594/mo
Today · 4.125%
HK$177,963
baseline
▲ 0.50% · 4.625%
HK$187,343
+HK$9,380/mo
Deposit HK$14.26M · loan HK$33.28M · min. income ≈ HK$355,926/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,020,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,131
−HK$12,236/mo
▼ 0.25% · 3.875%
HK$201,200
−HK$6,167/mo
Today · 4.125%
HK$207,367
baseline
▲ 0.50% · 4.625%
HK$219,985
+HK$12,618/mo
Deposit HK$4.75M · loan HK$42.79M · min. income ≈ HK$414,734/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,020,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,081
−HK$11,728/mo
▼ 0.25% · 3.875%
HK$222,903
−HK$5,906/mo
Today · 4.125%
HK$228,809
baseline
▲ 0.50% · 4.625%
HK$240,870
+HK$12,061/mo
Deposit HK$4.75M · loan HK$42.79M · min. income ≈ HK$457,618/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,020,496 · Scale 2, in force from 26 Feb 2026)