LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,991
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$112,381
−HK$3,445/mo
Today · 4.125%
HK$115,826
baseline
▲ 0.50% · 4.625%
HK$122,873
+HK$7,047/mo
Deposit HK$23.90M · loan HK$23.90M · min. income ≈ HK$231,652/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$2,031,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,251
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,503
−HK$3,299/mo
Today · 4.125%
HK$127,802
baseline
▲ 0.50% · 4.625%
HK$134,539
+HK$6,737/mo
Deposit HK$23.90M · loan HK$23.90M · min. income ≈ HK$255,604/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$2,031,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,789
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$134,857
−HK$4,134/mo
Today · 4.125%
HK$138,991
baseline
▲ 0.50% · 4.625%
HK$147,448
+HK$8,457/mo
Deposit HK$19.12M · loan HK$28.68M · min. income ≈ HK$277,982/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$2,031,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,501
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$149,404
−HK$3,958/mo
Today · 4.125%
HK$153,362
baseline
▲ 0.50% · 4.625%
HK$161,446
+HK$8,084/mo
Deposit HK$19.12M · loan HK$28.68M · min. income ≈ HK$306,724/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$2,031,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,587
−HK$9,569/mo
▼ 0.25% · 3.875%
HK$157,334
−HK$4,822/mo
Today · 4.125%
HK$162,156
baseline
▲ 0.50% · 4.625%
HK$172,023
+HK$9,867/mo
Deposit HK$14.34M · loan HK$33.46M · min. income ≈ HK$324,312/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,031,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,752
−HK$9,171/mo
▼ 0.25% · 3.875%
HK$174,304
−HK$4,619/mo
Today · 4.125%
HK$178,923
baseline
▲ 0.50% · 4.625%
HK$188,354
+HK$9,431/mo
Deposit HK$14.34M · loan HK$33.46M · min. income ≈ HK$357,846/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,031,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,184
−HK$12,302/mo
▼ 0.25% · 3.875%
HK$202,286
−HK$6,200/mo
Today · 4.125%
HK$208,486
baseline
▲ 0.50% · 4.625%
HK$221,172
+HK$12,686/mo
Deposit HK$4.78M · loan HK$43.02M · min. income ≈ HK$416,972/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,031,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,252
−HK$11,792/mo
▼ 0.25% · 3.875%
HK$224,106
−HK$5,938/mo
Today · 4.125%
HK$230,044
baseline
▲ 0.50% · 4.625%
HK$242,170
+HK$12,126/mo
Deposit HK$4.78M · loan HK$43.02M · min. income ≈ HK$460,088/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,031,400 · Scale 2, in force from 26 Feb 2026)