LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,373
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,775
−HK$3,457/mo
Today · 4.125%
HK$116,232
baseline
▲ 0.50% · 4.625%
HK$123,304
+HK$7,072/mo
Deposit HK$23.98M · loan HK$23.98M · min. income ≈ HK$232,464/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,676
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,940
−HK$3,310/mo
Today · 4.125%
HK$128,250
baseline
▲ 0.50% · 4.625%
HK$135,010
+HK$6,760/mo
Deposit HK$23.98M · loan HK$23.98M · min. income ≈ HK$256,500/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,248
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$135,330
−HK$4,148/mo
Today · 4.125%
HK$139,478
baseline
▲ 0.50% · 4.625%
HK$147,965
+HK$8,487/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$278,956/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,012
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$149,928
−HK$3,972/mo
Today · 4.125%
HK$153,900
baseline
▲ 0.50% · 4.625%
HK$162,012
+HK$8,112/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$307,800/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,122
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$157,885
−HK$4,839/mo
Today · 4.125%
HK$162,724
baseline
▲ 0.50% · 4.625%
HK$172,626
+HK$9,902/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$325,448/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,347
−HK$9,203/mo
▼ 0.25% · 3.875%
HK$174,915
−HK$4,635/mo
Today · 4.125%
HK$179,550
baseline
▲ 0.50% · 4.625%
HK$189,015
+HK$9,465/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$359,100/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,871
−HK$12,346/mo
▼ 0.25% · 3.875%
HK$202,995
−HK$6,222/mo
Today · 4.125%
HK$209,217
baseline
▲ 0.50% · 4.625%
HK$221,947
+HK$12,730/mo
Deposit HK$4.80M · loan HK$43.17M · min. income ≈ HK$418,434/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,017
−HK$11,833/mo
▼ 0.25% · 3.875%
HK$224,891
−HK$5,959/mo
Today · 4.125%
HK$230,850
baseline
▲ 0.50% · 4.625%
HK$243,019
+HK$12,169/mo
Deposit HK$4.80M · loan HK$43.17M · min. income ≈ HK$461,700/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,522 · Scale 2, in force from 26 Feb 2026)