LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,864
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,251
−HK$3,440/mo
Today · 4.125%
HK$115,691
baseline
▲ 0.50% · 4.625%
HK$122,731
+HK$7,040/mo
Deposit HK$23.87M · loan HK$23.87M · min. income ≈ HK$231,382/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,029,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,110
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,359
−HK$3,295/mo
Today · 4.125%
HK$127,654
baseline
▲ 0.50% · 4.625%
HK$134,382
+HK$6,728/mo
Deposit HK$23.87M · loan HK$23.87M · min. income ≈ HK$255,308/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,029,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,637
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$134,701
−HK$4,128/mo
Today · 4.125%
HK$138,829
baseline
▲ 0.50% · 4.625%
HK$147,277
+HK$8,448/mo
Deposit HK$19.10M · loan HK$28.65M · min. income ≈ HK$277,658/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$2,029,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,333
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$149,230
−HK$3,954/mo
Today · 4.125%
HK$153,184
baseline
▲ 0.50% · 4.625%
HK$161,259
+HK$8,075/mo
Deposit HK$19.10M · loan HK$28.65M · min. income ≈ HK$306,368/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$2,029,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,410
−HK$9,557/mo
▼ 0.25% · 3.875%
HK$157,151
−HK$4,816/mo
Today · 4.125%
HK$161,967
baseline
▲ 0.50% · 4.625%
HK$171,823
+HK$9,856/mo
Deposit HK$14.32M · loan HK$33.42M · min. income ≈ HK$323,934/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,029,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,555
−HK$9,160/mo
▼ 0.25% · 3.875%
HK$174,102
−HK$4,613/mo
Today · 4.125%
HK$178,715
baseline
▲ 0.50% · 4.625%
HK$188,135
+HK$9,420/mo
Deposit HK$14.32M · loan HK$33.42M · min. income ≈ HK$357,430/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,029,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,956
−HK$12,288/mo
▼ 0.25% · 3.875%
HK$202,051
−HK$6,193/mo
Today · 4.125%
HK$208,244
baseline
▲ 0.50% · 4.625%
HK$220,915
+HK$12,671/mo
Deposit HK$4.77M · loan HK$42.97M · min. income ≈ HK$416,488/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,029,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,999
−HK$11,778/mo
▼ 0.25% · 3.875%
HK$223,845
−HK$5,932/mo
Today · 4.125%
HK$229,777
baseline
▲ 0.50% · 4.625%
HK$241,888
+HK$12,111/mo
Deposit HK$4.77M · loan HK$42.97M · min. income ≈ HK$459,554/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,029,041 · Scale 2, in force from 26 Feb 2026)