LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,566
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,974
−HK$3,463/mo
Today · 4.125%
HK$116,437
baseline
▲ 0.50% · 4.625%
HK$123,521
+HK$7,084/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,874/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,891
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,160
−HK$3,316/mo
Today · 4.125%
HK$128,476
baseline
▲ 0.50% · 4.625%
HK$135,248
+HK$6,772/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,952/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,479
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,569
−HK$4,155/mo
Today · 4.125%
HK$139,724
baseline
▲ 0.50% · 4.625%
HK$148,226
+HK$8,502/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$279,448/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,269
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,192
−HK$3,980/mo
Today · 4.125%
HK$154,172
baseline
▲ 0.50% · 4.625%
HK$162,298
+HK$8,126/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$308,344/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,392
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$158,164
−HK$4,847/mo
Today · 4.125%
HK$163,011
baseline
▲ 0.50% · 4.625%
HK$172,930
+HK$9,919/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$326,022/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,647
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$175,224
−HK$4,643/mo
Today · 4.125%
HK$179,867
baseline
▲ 0.50% · 4.625%
HK$189,348
+HK$9,481/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$359,734/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,219
−HK$12,367/mo
▼ 0.25% · 3.875%
HK$203,353
−HK$6,233/mo
Today · 4.125%
HK$209,586
baseline
▲ 0.50% · 4.625%
HK$222,339
+HK$12,753/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$419,172/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,404
−HK$11,853/mo
▼ 0.25% · 3.875%
HK$225,288
−HK$5,969/mo
Today · 4.125%
HK$231,257
baseline
▲ 0.50% · 4.625%
HK$243,447
+HK$12,190/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$462,514/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,117 · Scale 2, in force from 26 Feb 2026)