LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,805
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,189
−HK$3,439/mo
Today · 4.125%
HK$115,628
baseline
▲ 0.50% · 4.625%
HK$122,663
+HK$7,035/mo
Deposit HK$23.86M · loan HK$23.86M · min. income ≈ HK$231,256/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,027,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,044
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,290
−HK$3,294/mo
Today · 4.125%
HK$127,584
baseline
▲ 0.50% · 4.625%
HK$134,309
+HK$6,725/mo
Deposit HK$23.86M · loan HK$23.86M · min. income ≈ HK$255,168/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,027,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,565
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$134,627
−HK$4,126/mo
Today · 4.125%
HK$138,753
baseline
▲ 0.50% · 4.625%
HK$147,196
+HK$8,443/mo
Deposit HK$19.09M · loan HK$28.63M · min. income ≈ HK$277,506/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,253
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$149,148
−HK$3,952/mo
Today · 4.125%
HK$153,100
baseline
▲ 0.50% · 4.625%
HK$161,170
+HK$8,070/mo
Deposit HK$19.09M · loan HK$28.63M · min. income ≈ HK$306,200/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,326
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$157,065
−HK$4,814/mo
Today · 4.125%
HK$161,879
baseline
▲ 0.50% · 4.625%
HK$171,729
+HK$9,850/mo
Deposit HK$14.31M · loan HK$33.40M · min. income ≈ HK$323,758/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,462
−HK$9,155/mo
▼ 0.25% · 3.875%
HK$174,006
−HK$4,611/mo
Today · 4.125%
HK$178,617
baseline
▲ 0.50% · 4.625%
HK$188,032
+HK$9,415/mo
Deposit HK$14.31M · loan HK$33.40M · min. income ≈ HK$357,234/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,848
−HK$12,282/mo
▼ 0.25% · 3.875%
HK$201,940
−HK$6,190/mo
Today · 4.125%
HK$208,130
baseline
▲ 0.50% · 4.625%
HK$220,794
+HK$12,664/mo
Deposit HK$4.77M · loan HK$42.94M · min. income ≈ HK$416,260/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,879
−HK$11,772/mo
▼ 0.25% · 3.875%
HK$223,723
−HK$5,928/mo
Today · 4.125%
HK$229,651
baseline
▲ 0.50% · 4.625%
HK$241,756
+HK$12,105/mo
Deposit HK$4.77M · loan HK$42.94M · min. income ≈ HK$459,302/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,928 · Scale 2, in force from 26 Feb 2026)