LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,434
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,807
−HK$3,427/mo
Today · 4.125%
HK$115,234
baseline
▲ 0.50% · 4.625%
HK$122,246
+HK$7,012/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$230,468/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,021,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,632
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,867
−HK$3,282/mo
Today · 4.125%
HK$127,149
baseline
▲ 0.50% · 4.625%
HK$133,851
+HK$6,702/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$254,298/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,021,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,121
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,168
−HK$4,113/mo
Today · 4.125%
HK$138,281
baseline
▲ 0.50% · 4.625%
HK$146,695
+HK$8,414/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$276,562/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,021,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,758
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$148,641
−HK$3,938/mo
Today · 4.125%
HK$152,579
baseline
▲ 0.50% · 4.625%
HK$160,622
+HK$8,043/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$305,158/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,021,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,808
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$156,530
−HK$4,797/mo
Today · 4.125%
HK$161,327
baseline
▲ 0.50% · 4.625%
HK$171,144
+HK$9,817/mo
Deposit HK$14.27M · loan HK$33.29M · min. income ≈ HK$322,654/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,021,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,885
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$173,414
−HK$4,595/mo
Today · 4.125%
HK$178,009
baseline
▲ 0.50% · 4.625%
HK$187,392
+HK$9,383/mo
Deposit HK$14.27M · loan HK$33.29M · min. income ≈ HK$356,018/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,021,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,181
−HK$12,240/mo
▼ 0.25% · 3.875%
HK$201,253
−HK$6,168/mo
Today · 4.125%
HK$207,421
baseline
▲ 0.50% · 4.625%
HK$220,042
+HK$12,621/mo
Deposit HK$4.76M · loan HK$42.80M · min. income ≈ HK$414,842/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,021,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,137
−HK$11,732/mo
▼ 0.25% · 3.875%
HK$222,961
−HK$5,908/mo
Today · 4.125%
HK$228,869
baseline
▲ 0.50% · 4.625%
HK$240,932
+HK$12,063/mo
Deposit HK$4.76M · loan HK$42.80M · min. income ≈ HK$457,738/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,021,022 · Scale 2, in force from 26 Feb 2026)