LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,563
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,971
−HK$3,463/mo
Today · 4.125%
HK$116,434
baseline
▲ 0.50% · 4.625%
HK$123,519
+HK$7,085/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,868/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,888
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,157
−HK$3,316/mo
Today · 4.125%
HK$128,473
baseline
▲ 0.50% · 4.625%
HK$135,245
+HK$6,772/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,946/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,476
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,566
−HK$4,155/mo
Today · 4.125%
HK$139,721
baseline
▲ 0.50% · 4.625%
HK$148,222
+HK$8,501/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$279,442/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,266
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$150,189
−HK$3,979/mo
Today · 4.125%
HK$154,168
baseline
▲ 0.50% · 4.625%
HK$162,295
+HK$8,127/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$308,336/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,389
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$158,160
−HK$4,848/mo
Today · 4.125%
HK$163,008
baseline
▲ 0.50% · 4.625%
HK$172,926
+HK$9,918/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$326,016/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,643
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$175,220
−HK$4,643/mo
Today · 4.125%
HK$179,863
baseline
▲ 0.50% · 4.625%
HK$189,344
+HK$9,481/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$359,726/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,214
−HK$12,367/mo
▼ 0.25% · 3.875%
HK$203,349
−HK$6,232/mo
Today · 4.125%
HK$209,581
baseline
▲ 0.50% · 4.625%
HK$222,334
+HK$12,753/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$419,162/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,399
−HK$11,853/mo
▼ 0.25% · 3.875%
HK$225,283
−HK$5,969/mo
Today · 4.125%
HK$231,252
baseline
▲ 0.50% · 4.625%
HK$243,442
+HK$12,190/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$462,504/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,071 · Scale 2, in force from 26 Feb 2026)