LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,507
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$112,913
−HK$3,461/mo
Today · 4.125%
HK$116,374
baseline
▲ 0.50% · 4.625%
HK$123,455
+HK$7,081/mo
Deposit HK$24.01M · loan HK$24.01M · min. income ≈ HK$232,748/mo (50% DSR)
Upfront cash ≈ HK$26.05M (deposit + AVD stamp duty HK$2,041,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,825
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,093
−HK$3,314/mo
Today · 4.125%
HK$128,407
baseline
▲ 0.50% · 4.625%
HK$135,176
+HK$6,769/mo
Deposit HK$24.01M · loan HK$24.01M · min. income ≈ HK$256,814/mo (50% DSR)
Upfront cash ≈ HK$26.05M (deposit + AVD stamp duty HK$2,041,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,408
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,496
−HK$4,153/mo
Today · 4.125%
HK$139,649
baseline
▲ 0.50% · 4.625%
HK$148,146
+HK$8,497/mo
Deposit HK$19.21M · loan HK$28.81M · min. income ≈ HK$279,298/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,041,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,190
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,111
−HK$3,978/mo
Today · 4.125%
HK$154,089
baseline
▲ 0.50% · 4.625%
HK$162,211
+HK$8,122/mo
Deposit HK$19.21M · loan HK$28.81M · min. income ≈ HK$308,178/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,041,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,310
−HK$9,614/mo
▼ 0.25% · 3.875%
HK$158,078
−HK$4,846/mo
Today · 4.125%
HK$162,924
baseline
▲ 0.50% · 4.625%
HK$172,837
+HK$9,913/mo
Deposit HK$14.41M · loan HK$33.62M · min. income ≈ HK$325,848/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,555
−HK$9,215/mo
▼ 0.25% · 3.875%
HK$175,130
−HK$4,640/mo
Today · 4.125%
HK$179,770
baseline
▲ 0.50% · 4.625%
HK$189,246
+HK$9,476/mo
Deposit HK$14.41M · loan HK$33.62M · min. income ≈ HK$359,540/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,112
−HK$12,361/mo
▼ 0.25% · 3.875%
HK$203,244
−HK$6,229/mo
Today · 4.125%
HK$209,473
baseline
▲ 0.50% · 4.625%
HK$222,219
+HK$12,746/mo
Deposit HK$4.80M · loan HK$43.22M · min. income ≈ HK$418,946/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,041,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,286
−HK$11,847/mo
▼ 0.25% · 3.875%
HK$225,167
−HK$5,966/mo
Today · 4.125%
HK$231,133
baseline
▲ 0.50% · 4.625%
HK$243,316
+HK$12,183/mo
Deposit HK$4.80M · loan HK$43.22M · min. income ≈ HK$462,266/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,041,018 · Scale 2, in force from 26 Feb 2026)