LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,430
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,803
−HK$3,427/mo
Today · 4.125%
HK$115,230
baseline
▲ 0.50% · 4.625%
HK$122,241
+HK$7,011/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$230,460/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,020,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,628
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,863
−HK$3,282/mo
Today · 4.125%
HK$127,145
baseline
▲ 0.50% · 4.625%
HK$133,847
+HK$6,702/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$254,290/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,020,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,116
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,164
−HK$4,112/mo
Today · 4.125%
HK$138,276
baseline
▲ 0.50% · 4.625%
HK$146,690
+HK$8,414/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$276,552/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,753
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$148,635
−HK$3,939/mo
Today · 4.125%
HK$152,574
baseline
▲ 0.50% · 4.625%
HK$160,616
+HK$8,042/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$305,148/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,802
−HK$9,520/mo
▼ 0.25% · 3.875%
HK$156,524
−HK$4,798/mo
Today · 4.125%
HK$161,322
baseline
▲ 0.50% · 4.625%
HK$171,138
+HK$9,816/mo
Deposit HK$14.27M · loan HK$33.29M · min. income ≈ HK$322,644/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,020,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,879
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$173,408
−HK$4,595/mo
Today · 4.125%
HK$178,003
baseline
▲ 0.50% · 4.625%
HK$187,386
+HK$9,383/mo
Deposit HK$14.27M · loan HK$33.29M · min. income ≈ HK$356,006/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,020,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,175
−HK$12,239/mo
▼ 0.25% · 3.875%
HK$201,246
−HK$6,168/mo
Today · 4.125%
HK$207,414
baseline
▲ 0.50% · 4.625%
HK$220,034
+HK$12,620/mo
Deposit HK$4.76M · loan HK$42.80M · min. income ≈ HK$414,828/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,130
−HK$11,731/mo
▼ 0.25% · 3.875%
HK$222,953
−HK$5,908/mo
Today · 4.125%
HK$228,861
baseline
▲ 0.50% · 4.625%
HK$240,924
+HK$12,063/mo
Deposit HK$4.76M · loan HK$42.80M · min. income ≈ HK$457,722/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,953 · Scale 2, in force from 26 Feb 2026)