LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,777
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,161
−HK$3,438/mo
Today · 4.125%
HK$115,599
baseline
▲ 0.50% · 4.625%
HK$122,633
+HK$7,034/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$231,198/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,014
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,259
−HK$3,293/mo
Today · 4.125%
HK$127,552
baseline
▲ 0.50% · 4.625%
HK$134,275
+HK$6,723/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$255,104/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,533
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$134,593
−HK$4,125/mo
Today · 4.125%
HK$138,718
baseline
▲ 0.50% · 4.625%
HK$147,159
+HK$8,441/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$2,027,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,217
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$149,111
−HK$3,951/mo
Today · 4.125%
HK$153,062
baseline
▲ 0.50% · 4.625%
HK$161,130
+HK$8,068/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$306,124/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,288
−HK$9,550/mo
▼ 0.25% · 3.875%
HK$157,025
−HK$4,813/mo
Today · 4.125%
HK$161,838
baseline
▲ 0.50% · 4.625%
HK$171,686
+HK$9,848/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$323,676/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,419
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$173,963
−HK$4,610/mo
Today · 4.125%
HK$178,573
baseline
▲ 0.50% · 4.625%
HK$187,985
+HK$9,412/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$357,146/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,799
−HK$12,279/mo
▼ 0.25% · 3.875%
HK$201,890
−HK$6,188/mo
Today · 4.125%
HK$208,078
baseline
▲ 0.50% · 4.625%
HK$220,739
+HK$12,661/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$416,156/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,825
−HK$11,768/mo
▼ 0.25% · 3.875%
HK$223,667
−HK$5,926/mo
Today · 4.125%
HK$229,593
baseline
▲ 0.50% · 4.625%
HK$241,695
+HK$12,102/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$459,186/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,422 · Scale 2, in force from 26 Feb 2026)