LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,452
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,826
−HK$3,427/mo
Today · 4.125%
HK$115,253
baseline
▲ 0.50% · 4.625%
HK$122,266
+HK$7,013/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$230,506/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,021,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,652
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,888
−HK$3,282/mo
Today · 4.125%
HK$127,170
baseline
▲ 0.50% · 4.625%
HK$133,874
+HK$6,704/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$254,340/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,021,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,143
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$134,191
−HK$4,113/mo
Today · 4.125%
HK$138,304
baseline
▲ 0.50% · 4.625%
HK$146,719
+HK$8,415/mo
Deposit HK$19.02M · loan HK$28.54M · min. income ≈ HK$276,608/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,021,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,782
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,665
−HK$3,940/mo
Today · 4.125%
HK$152,605
baseline
▲ 0.50% · 4.625%
HK$160,649
+HK$8,044/mo
Deposit HK$19.02M · loan HK$28.54M · min. income ≈ HK$305,210/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,021,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,833
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$156,556
−HK$4,798/mo
Today · 4.125%
HK$161,354
baseline
▲ 0.50% · 4.625%
HK$171,172
+HK$9,818/mo
Deposit HK$14.27M · loan HK$33.29M · min. income ≈ HK$322,708/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,021,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,913
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$173,443
−HK$4,596/mo
Today · 4.125%
HK$178,039
baseline
▲ 0.50% · 4.625%
HK$187,423
+HK$9,384/mo
Deposit HK$14.27M · loan HK$33.29M · min. income ≈ HK$356,078/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,021,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,214
−HK$12,242/mo
▼ 0.25% · 3.875%
HK$201,286
−HK$6,170/mo
Today · 4.125%
HK$207,456
baseline
▲ 0.50% · 4.625%
HK$220,079
+HK$12,623/mo
Deposit HK$4.76M · loan HK$42.81M · min. income ≈ HK$414,912/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,021,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,174
−HK$11,733/mo
▼ 0.25% · 3.875%
HK$222,998
−HK$5,909/mo
Today · 4.125%
HK$228,907
baseline
▲ 0.50% · 4.625%
HK$240,973
+HK$12,066/mo
Deposit HK$4.76M · loan HK$42.81M · min. income ≈ HK$457,814/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,021,361 · Scale 2, in force from 26 Feb 2026)