LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,423
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,796
−HK$3,426/mo
Today · 4.125%
HK$115,222
baseline
▲ 0.50% · 4.625%
HK$122,233
+HK$7,011/mo
Deposit HK$23.77M · loan HK$23.77M · min. income ≈ HK$230,444/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,020,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,620
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,854
−HK$3,282/mo
Today · 4.125%
HK$127,136
baseline
▲ 0.50% · 4.625%
HK$133,838
+HK$6,702/mo
Deposit HK$23.77M · loan HK$23.77M · min. income ≈ HK$254,272/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,020,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,108
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$134,155
−HK$4,112/mo
Today · 4.125%
HK$138,267
baseline
▲ 0.50% · 4.625%
HK$146,680
+HK$8,413/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$276,534/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,743
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$148,625
−HK$3,938/mo
Today · 4.125%
HK$152,563
baseline
▲ 0.50% · 4.625%
HK$160,605
+HK$8,042/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$305,126/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,792
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$156,514
−HK$4,797/mo
Today · 4.125%
HK$161,311
baseline
▲ 0.50% · 4.625%
HK$171,126
+HK$9,815/mo
Deposit HK$14.26M · loan HK$33.28M · min. income ≈ HK$322,622/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,020,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,867
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$173,396
−HK$4,595/mo
Today · 4.125%
HK$177,991
baseline
▲ 0.50% · 4.625%
HK$187,373
+HK$9,382/mo
Deposit HK$14.26M · loan HK$33.28M · min. income ≈ HK$355,982/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,020,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,161
−HK$12,239/mo
▼ 0.25% · 3.875%
HK$201,232
−HK$6,168/mo
Today · 4.125%
HK$207,400
baseline
▲ 0.50% · 4.625%
HK$220,020
+HK$12,620/mo
Deposit HK$4.75M · loan HK$42.79M · min. income ≈ HK$414,800/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,115
−HK$11,730/mo
▼ 0.25% · 3.875%
HK$222,938
−HK$5,907/mo
Today · 4.125%
HK$228,845
baseline
▲ 0.50% · 4.625%
HK$240,908
+HK$12,063/mo
Deposit HK$4.75M · loan HK$42.79M · min. income ≈ HK$457,690/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,816 · Scale 2, in force from 26 Feb 2026)