LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,572
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,980
−HK$3,463/mo
Today · 4.125%
HK$116,443
baseline
▲ 0.50% · 4.625%
HK$123,528
+HK$7,085/mo
Deposit HK$24.03M · loan HK$24.03M · min. income ≈ HK$232,886/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,898
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,167
−HK$3,316/mo
Today · 4.125%
HK$128,483
baseline
▲ 0.50% · 4.625%
HK$135,256
+HK$6,773/mo
Deposit HK$24.03M · loan HK$24.03M · min. income ≈ HK$256,966/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,486
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$135,576
−HK$4,156/mo
Today · 4.125%
HK$139,732
baseline
▲ 0.50% · 4.625%
HK$148,234
+HK$8,502/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$279,464/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,277
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,200
−HK$3,980/mo
Today · 4.125%
HK$154,180
baseline
▲ 0.50% · 4.625%
HK$162,307
+HK$8,127/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$308,360/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,401
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$158,172
−HK$4,848/mo
Today · 4.125%
HK$163,020
baseline
▲ 0.50% · 4.625%
HK$172,940
+HK$9,920/mo
Deposit HK$14.42M · loan HK$33.64M · min. income ≈ HK$326,040/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,657
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$175,234
−HK$4,643/mo
Today · 4.125%
HK$179,877
baseline
▲ 0.50% · 4.625%
HK$189,358
+HK$9,481/mo
Deposit HK$14.42M · loan HK$33.64M · min. income ≈ HK$359,754/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,229
−HK$12,368/mo
▼ 0.25% · 3.875%
HK$203,364
−HK$6,233/mo
Today · 4.125%
HK$209,597
baseline
▲ 0.50% · 4.625%
HK$222,351
+HK$12,754/mo
Deposit HK$4.81M · loan HK$43.25M · min. income ≈ HK$419,194/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,416
−HK$11,854/mo
▼ 0.25% · 3.875%
HK$225,300
−HK$5,970/mo
Today · 4.125%
HK$231,270
baseline
▲ 0.50% · 4.625%
HK$243,461
+HK$12,191/mo
Deposit HK$4.81M · loan HK$43.25M · min. income ≈ HK$462,540/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,229 · Scale 2, in force from 26 Feb 2026)