LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,768
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,151
−HK$3,437/mo
Today · 4.125%
HK$115,588
baseline
▲ 0.50% · 4.625%
HK$122,622
+HK$7,034/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$231,176/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,003
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,248
−HK$3,293/mo
Today · 4.125%
HK$127,541
baseline
▲ 0.50% · 4.625%
HK$134,263
+HK$6,722/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$255,082/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,521
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$134,581
−HK$4,125/mo
Today · 4.125%
HK$138,706
baseline
▲ 0.50% · 4.625%
HK$147,146
+HK$8,440/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$277,412/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,204
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$149,098
−HK$3,951/mo
Today · 4.125%
HK$153,049
baseline
▲ 0.50% · 4.625%
HK$161,116
+HK$8,067/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$306,098/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,275
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$157,012
−HK$4,812/mo
Today · 4.125%
HK$161,824
baseline
▲ 0.50% · 4.625%
HK$171,670
+HK$9,846/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$323,648/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,404
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$173,948
−HK$4,609/mo
Today · 4.125%
HK$178,557
baseline
▲ 0.50% · 4.625%
HK$187,969
+HK$9,412/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$357,114/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,782
−HK$12,277/mo
▼ 0.25% · 3.875%
HK$201,872
−HK$6,187/mo
Today · 4.125%
HK$208,059
baseline
▲ 0.50% · 4.625%
HK$220,719
+HK$12,660/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$416,118/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,806
−HK$11,767/mo
▼ 0.25% · 3.875%
HK$223,647
−HK$5,926/mo
Today · 4.125%
HK$229,573
baseline
▲ 0.50% · 4.625%
HK$241,674
+HK$12,101/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$459,146/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,242 · Scale 2, in force from 26 Feb 2026)