LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,546
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,954
−HK$3,462/mo
Today · 4.125%
HK$116,416
baseline
▲ 0.50% · 4.625%
HK$123,499
+HK$7,083/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,832/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,869
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,138
−HK$3,315/mo
Today · 4.125%
HK$128,453
baseline
▲ 0.50% · 4.625%
HK$135,224
+HK$6,771/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,906/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,456
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$135,545
−HK$4,154/mo
Today · 4.125%
HK$139,699
baseline
▲ 0.50% · 4.625%
HK$148,199
+HK$8,500/mo
Deposit HK$19.22M · loan HK$28.82M · min. income ≈ HK$279,398/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,243
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,165
−HK$3,979/mo
Today · 4.125%
HK$154,144
baseline
▲ 0.50% · 4.625%
HK$162,269
+HK$8,125/mo
Deposit HK$19.22M · loan HK$28.82M · min. income ≈ HK$308,288/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,365
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,135
−HK$4,847/mo
Today · 4.125%
HK$162,982
baseline
▲ 0.50% · 4.625%
HK$172,899
+HK$9,917/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$325,964/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,617
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$175,193
−HK$4,642/mo
Today · 4.125%
HK$179,835
baseline
▲ 0.50% · 4.625%
HK$189,314
+HK$9,479/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$359,670/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,183
−HK$12,365/mo
▼ 0.25% · 3.875%
HK$203,317
−HK$6,231/mo
Today · 4.125%
HK$209,548
baseline
▲ 0.50% · 4.625%
HK$222,299
+HK$12,751/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$419,096/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,364
−HK$11,852/mo
▼ 0.25% · 3.875%
HK$225,248
−HK$5,968/mo
Today · 4.125%
HK$231,216
baseline
▲ 0.50% · 4.625%
HK$243,404
+HK$12,188/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$462,432/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,752 · Scale 2, in force from 26 Feb 2026)