LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,540
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$112,947
−HK$3,462/mo
Today · 4.125%
HK$116,409
baseline
▲ 0.50% · 4.625%
HK$123,492
+HK$7,083/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,818/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,862
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,130
−HK$3,316/mo
Today · 4.125%
HK$128,446
baseline
▲ 0.50% · 4.625%
HK$135,216
+HK$6,770/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,892/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,448
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$135,537
−HK$4,154/mo
Today · 4.125%
HK$139,691
baseline
▲ 0.50% · 4.625%
HK$148,191
+HK$8,500/mo
Deposit HK$19.22M · loan HK$28.82M · min. income ≈ HK$279,382/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,234
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,156
−HK$3,979/mo
Today · 4.125%
HK$154,135
baseline
▲ 0.50% · 4.625%
HK$162,260
+HK$8,125/mo
Deposit HK$19.22M · loan HK$28.82M · min. income ≈ HK$308,270/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,356
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,126
−HK$4,847/mo
Today · 4.125%
HK$162,973
baseline
▲ 0.50% · 4.625%
HK$172,889
+HK$9,916/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$325,946/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,607
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$175,182
−HK$4,642/mo
Today · 4.125%
HK$179,824
baseline
▲ 0.50% · 4.625%
HK$189,303
+HK$9,479/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$359,648/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,172
−HK$12,364/mo
▼ 0.25% · 3.875%
HK$203,305
−HK$6,231/mo
Today · 4.125%
HK$209,536
baseline
▲ 0.50% · 4.625%
HK$222,286
+HK$12,750/mo
Deposit HK$4.80M · loan HK$43.23M · min. income ≈ HK$419,072/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,352
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$225,234
−HK$5,968/mo
Today · 4.125%
HK$231,202
baseline
▲ 0.50% · 4.625%
HK$243,389
+HK$12,187/mo
Deposit HK$4.80M · loan HK$43.23M · min. income ≈ HK$462,404/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,632 · Scale 2, in force from 26 Feb 2026)