LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,777
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,160
−HK$3,438/mo
Today · 4.125%
HK$115,598
baseline
▲ 0.50% · 4.625%
HK$122,632
+HK$7,034/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$231,196/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,013
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,259
−HK$3,292/mo
Today · 4.125%
HK$127,551
baseline
▲ 0.50% · 4.625%
HK$134,274
+HK$6,723/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$255,102/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,532
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$134,592
−HK$4,126/mo
Today · 4.125%
HK$138,718
baseline
▲ 0.50% · 4.625%
HK$147,158
+HK$8,440/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$277,436/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,216
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$149,110
−HK$3,951/mo
Today · 4.125%
HK$153,061
baseline
▲ 0.50% · 4.625%
HK$161,129
+HK$8,068/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$306,122/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,288
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$157,025
−HK$4,812/mo
Today · 4.125%
HK$161,837
baseline
▲ 0.50% · 4.625%
HK$171,685
+HK$9,848/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$323,674/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,418
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$173,962
−HK$4,609/mo
Today · 4.125%
HK$178,571
baseline
▲ 0.50% · 4.625%
HK$187,984
+HK$9,413/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$357,142/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,798
−HK$12,278/mo
▼ 0.25% · 3.875%
HK$201,889
−HK$6,187/mo
Today · 4.125%
HK$208,076
baseline
▲ 0.50% · 4.625%
HK$220,737
+HK$12,661/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$416,152/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,824
−HK$11,768/mo
▼ 0.25% · 3.875%
HK$223,665
−HK$5,927/mo
Today · 4.125%
HK$229,592
baseline
▲ 0.50% · 4.625%
HK$241,694
+HK$12,102/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$459,184/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,410 · Scale 2, in force from 26 Feb 2026)