LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,548
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,956
−HK$3,462/mo
Today · 4.125%
HK$116,418
baseline
▲ 0.50% · 4.625%
HK$123,502
+HK$7,084/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,836/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,871
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,140
−HK$3,316/mo
Today · 4.125%
HK$128,456
baseline
▲ 0.50% · 4.625%
HK$135,227
+HK$6,771/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,912/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,458
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,547
−HK$4,155/mo
Today · 4.125%
HK$139,702
baseline
▲ 0.50% · 4.625%
HK$148,202
+HK$8,500/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$279,404/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,246
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,168
−HK$3,979/mo
Today · 4.125%
HK$154,147
baseline
▲ 0.50% · 4.625%
HK$162,272
+HK$8,125/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$308,294/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,368
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,138
−HK$4,847/mo
Today · 4.125%
HK$162,985
baseline
▲ 0.50% · 4.625%
HK$172,903
+HK$9,918/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$325,970/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,620
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$175,196
−HK$4,642/mo
Today · 4.125%
HK$179,838
baseline
▲ 0.50% · 4.625%
HK$189,318
+HK$9,480/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$359,676/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,187
−HK$12,365/mo
▼ 0.25% · 3.875%
HK$203,321
−HK$6,231/mo
Today · 4.125%
HK$209,552
baseline
▲ 0.50% · 4.625%
HK$222,303
+HK$12,751/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$419,104/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,369
−HK$11,851/mo
▼ 0.25% · 3.875%
HK$225,252
−HK$5,968/mo
Today · 4.125%
HK$231,220
baseline
▲ 0.50% · 4.625%
HK$243,408
+HK$12,188/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$462,440/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,791 · Scale 2, in force from 26 Feb 2026)