LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,516
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,923
−HK$3,461/mo
Today · 4.125%
HK$116,384
baseline
▲ 0.50% · 4.625%
HK$123,466
+HK$7,082/mo
Deposit HK$24.01M · loan HK$24.01M · min. income ≈ HK$232,768/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,836
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,104
−HK$3,314/mo
Today · 4.125%
HK$128,418
baseline
▲ 0.50% · 4.625%
HK$135,188
+HK$6,770/mo
Deposit HK$24.01M · loan HK$24.01M · min. income ≈ HK$256,836/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,420
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,508
−HK$4,153/mo
Today · 4.125%
HK$139,661
baseline
▲ 0.50% · 4.625%
HK$148,159
+HK$8,498/mo
Deposit HK$19.21M · loan HK$28.82M · min. income ≈ HK$279,322/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,041,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,203
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,124
−HK$3,978/mo
Today · 4.125%
HK$154,102
baseline
▲ 0.50% · 4.625%
HK$162,225
+HK$8,123/mo
Deposit HK$19.21M · loan HK$28.82M · min. income ≈ HK$308,204/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,041,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,323
−HK$9,615/mo
▼ 0.25% · 3.875%
HK$158,092
−HK$4,846/mo
Today · 4.125%
HK$162,938
baseline
▲ 0.50% · 4.625%
HK$172,852
+HK$9,914/mo
Deposit HK$14.41M · loan HK$33.62M · min. income ≈ HK$325,876/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,570
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$175,145
−HK$4,641/mo
Today · 4.125%
HK$179,786
baseline
▲ 0.50% · 4.625%
HK$189,263
+HK$9,477/mo
Deposit HK$14.41M · loan HK$33.62M · min. income ≈ HK$359,572/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,130
−HK$12,361/mo
▼ 0.25% · 3.875%
HK$203,262
−HK$6,229/mo
Today · 4.125%
HK$209,491
baseline
▲ 0.50% · 4.625%
HK$222,239
+HK$12,748/mo
Deposit HK$4.80M · loan HK$43.23M · min. income ≈ HK$418,982/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,041,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,305
−HK$11,848/mo
▼ 0.25% · 3.875%
HK$225,186
−HK$5,967/mo
Today · 4.125%
HK$231,153
baseline
▲ 0.50% · 4.625%
HK$243,338
+HK$12,185/mo
Deposit HK$4.80M · loan HK$43.23M · min. income ≈ HK$462,306/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,041,197 · Scale 2, in force from 26 Feb 2026)