LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,581
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,989
−HK$3,463/mo
Today · 4.125%
HK$116,452
baseline
▲ 0.50% · 4.625%
HK$123,538
+HK$7,086/mo
Deposit HK$24.03M · loan HK$24.03M · min. income ≈ HK$232,904/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,907
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,177
−HK$3,317/mo
Today · 4.125%
HK$128,494
baseline
▲ 0.50% · 4.625%
HK$135,267
+HK$6,773/mo
Deposit HK$24.03M · loan HK$24.03M · min. income ≈ HK$256,988/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,497
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$135,587
−HK$4,156/mo
Today · 4.125%
HK$139,743
baseline
▲ 0.50% · 4.625%
HK$148,246
+HK$8,503/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$279,486/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,289
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,212
−HK$3,980/mo
Today · 4.125%
HK$154,192
baseline
▲ 0.50% · 4.625%
HK$162,320
+HK$8,128/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$308,384/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,413
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$158,185
−HK$4,848/mo
Today · 4.125%
HK$163,033
baseline
▲ 0.50% · 4.625%
HK$172,953
+HK$9,920/mo
Deposit HK$14.42M · loan HK$33.64M · min. income ≈ HK$326,066/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,670
−HK$9,221/mo
▼ 0.25% · 3.875%
HK$175,248
−HK$4,643/mo
Today · 4.125%
HK$179,891
baseline
▲ 0.50% · 4.625%
HK$189,373
+HK$9,482/mo
Deposit HK$14.42M · loan HK$33.64M · min. income ≈ HK$359,782/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,245
−HK$12,369/mo
▼ 0.25% · 3.875%
HK$203,381
−HK$6,233/mo
Today · 4.125%
HK$209,614
baseline
▲ 0.50% · 4.625%
HK$222,369
+HK$12,755/mo
Deposit HK$4.81M · loan HK$43.25M · min. income ≈ HK$419,228/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,433
−HK$11,856/mo
▼ 0.25% · 3.875%
HK$225,318
−HK$5,971/mo
Today · 4.125%
HK$231,289
baseline
▲ 0.50% · 4.625%
HK$243,480
+HK$12,191/mo
Deposit HK$4.81M · loan HK$43.25M · min. income ≈ HK$462,578/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,393 · Scale 2, in force from 26 Feb 2026)