LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,543
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$112,950
−HK$3,462/mo
Today · 4.125%
HK$116,412
baseline
▲ 0.50% · 4.625%
HK$123,495
+HK$7,083/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,824/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,865
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,133
−HK$3,316/mo
Today · 4.125%
HK$128,449
baseline
▲ 0.50% · 4.625%
HK$135,220
+HK$6,771/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,898/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,451
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$135,540
−HK$4,154/mo
Today · 4.125%
HK$139,694
baseline
▲ 0.50% · 4.625%
HK$148,194
+HK$8,500/mo
Deposit HK$19.22M · loan HK$28.82M · min. income ≈ HK$279,388/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,238
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,160
−HK$3,979/mo
Today · 4.125%
HK$154,139
baseline
▲ 0.50% · 4.625%
HK$162,264
+HK$8,125/mo
Deposit HK$19.22M · loan HK$28.82M · min. income ≈ HK$308,278/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,360
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,130
−HK$4,847/mo
Today · 4.125%
HK$162,977
baseline
▲ 0.50% · 4.625%
HK$172,893
+HK$9,916/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$325,954/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,611
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$175,187
−HK$4,642/mo
Today · 4.125%
HK$179,829
baseline
▲ 0.50% · 4.625%
HK$189,308
+HK$9,479/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$359,658/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,177
−HK$12,364/mo
▼ 0.25% · 3.875%
HK$203,310
−HK$6,231/mo
Today · 4.125%
HK$209,541
baseline
▲ 0.50% · 4.625%
HK$222,291
+HK$12,750/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$419,082/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,357
−HK$11,851/mo
▼ 0.25% · 3.875%
HK$225,240
−HK$5,968/mo
Today · 4.125%
HK$231,208
baseline
▲ 0.50% · 4.625%
HK$243,396
+HK$12,188/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$462,416/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,683 · Scale 2, in force from 26 Feb 2026)