LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,545
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$112,952
−HK$3,462/mo
Today · 4.125%
HK$116,414
baseline
▲ 0.50% · 4.625%
HK$123,498
+HK$7,084/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,828/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,867
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,136
−HK$3,315/mo
Today · 4.125%
HK$128,451
baseline
▲ 0.50% · 4.625%
HK$135,222
+HK$6,771/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,902/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,454
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$135,542
−HK$4,155/mo
Today · 4.125%
HK$139,697
baseline
▲ 0.50% · 4.625%
HK$148,197
+HK$8,500/mo
Deposit HK$19.22M · loan HK$28.82M · min. income ≈ HK$279,394/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,241
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,163
−HK$3,979/mo
Today · 4.125%
HK$154,142
baseline
▲ 0.50% · 4.625%
HK$162,267
+HK$8,125/mo
Deposit HK$19.22M · loan HK$28.82M · min. income ≈ HK$308,284/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,362
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$158,133
−HK$4,847/mo
Today · 4.125%
HK$162,980
baseline
▲ 0.50% · 4.625%
HK$172,897
+HK$9,917/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$325,960/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,614
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$175,190
−HK$4,642/mo
Today · 4.125%
HK$179,832
baseline
▲ 0.50% · 4.625%
HK$189,311
+HK$9,479/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$359,664/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,180
−HK$12,365/mo
▼ 0.25% · 3.875%
HK$203,314
−HK$6,231/mo
Today · 4.125%
HK$209,545
baseline
▲ 0.50% · 4.625%
HK$222,296
+HK$12,751/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$419,090/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,361
−HK$11,851/mo
▼ 0.25% · 3.875%
HK$225,244
−HK$5,968/mo
Today · 4.125%
HK$231,212
baseline
▲ 0.50% · 4.625%
HK$243,400
+HK$12,188/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$462,424/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,720 · Scale 2, in force from 26 Feb 2026)