LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,651
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,030
−HK$3,434/mo
Today · 4.125%
HK$115,464
baseline
▲ 0.50% · 4.625%
HK$122,490
+HK$7,026/mo
Deposit HK$23.82M · loan HK$23.82M · min. income ≈ HK$230,928/mo (50% DSR)
Upfront cash ≈ HK$25.85M (deposit + AVD stamp duty HK$2,025,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,873
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,115
−HK$3,288/mo
Today · 4.125%
HK$127,403
baseline
▲ 0.50% · 4.625%
HK$134,119
+HK$6,716/mo
Deposit HK$23.82M · loan HK$23.82M · min. income ≈ HK$254,806/mo (50% DSR)
Upfront cash ≈ HK$25.85M (deposit + AVD stamp duty HK$2,025,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,381
−HK$8,176/mo
▼ 0.25% · 3.875%
HK$134,437
−HK$4,120/mo
Today · 4.125%
HK$138,557
baseline
▲ 0.50% · 4.625%
HK$146,988
+HK$8,431/mo
Deposit HK$19.06M · loan HK$28.59M · min. income ≈ HK$277,114/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,025,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,048
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$148,938
−HK$3,946/mo
Today · 4.125%
HK$152,884
baseline
▲ 0.50% · 4.625%
HK$160,943
+HK$8,059/mo
Deposit HK$19.06M · loan HK$28.59M · min. income ≈ HK$305,768/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,025,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,111
−HK$9,539/mo
▼ 0.25% · 3.875%
HK$156,843
−HK$4,807/mo
Today · 4.125%
HK$161,650
baseline
▲ 0.50% · 4.625%
HK$171,486
+HK$9,836/mo
Deposit HK$14.29M · loan HK$33.35M · min. income ≈ HK$323,300/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$2,025,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,222
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$173,761
−HK$4,604/mo
Today · 4.125%
HK$178,365
baseline
▲ 0.50% · 4.625%
HK$187,767
+HK$9,402/mo
Deposit HK$14.29M · loan HK$33.35M · min. income ≈ HK$356,730/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$2,025,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,572
−HK$12,264/mo
▼ 0.25% · 3.875%
HK$201,655
−HK$6,181/mo
Today · 4.125%
HK$207,836
baseline
▲ 0.50% · 4.625%
HK$220,482
+HK$12,646/mo
Deposit HK$4.76M · loan HK$42.88M · min. income ≈ HK$415,672/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,025,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,571
−HK$11,755/mo
▼ 0.25% · 3.875%
HK$223,406
−HK$5,920/mo
Today · 4.125%
HK$229,326
baseline
▲ 0.50% · 4.625%
HK$241,414
+HK$12,088/mo
Deposit HK$4.76M · loan HK$42.88M · min. income ≈ HK$458,652/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,025,062 · Scale 2, in force from 26 Feb 2026)