LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,646
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,056
−HK$3,465/mo
Today · 4.125%
HK$116,521
baseline
▲ 0.50% · 4.625%
HK$123,612
+HK$7,091/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$233,042/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,980
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,251
−HK$3,319/mo
Today · 4.125%
HK$128,570
baseline
▲ 0.50% · 4.625%
HK$135,347
+HK$6,777/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,140/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,575
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,668
−HK$4,158/mo
Today · 4.125%
HK$139,826
baseline
▲ 0.50% · 4.625%
HK$148,334
+HK$8,508/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$279,652/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,376
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,301
−HK$3,983/mo
Today · 4.125%
HK$154,284
baseline
▲ 0.50% · 4.625%
HK$162,416
+HK$8,132/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$308,568/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,504
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$158,279
−HK$4,851/mo
Today · 4.125%
HK$163,130
baseline
▲ 0.50% · 4.625%
HK$173,056
+HK$9,926/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$326,260/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,772
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$175,352
−HK$4,646/mo
Today · 4.125%
HK$179,998
baseline
▲ 0.50% · 4.625%
HK$189,486
+HK$9,488/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$359,996/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,362
−HK$12,377/mo
▼ 0.25% · 3.875%
HK$203,501
−HK$6,238/mo
Today · 4.125%
HK$209,739
baseline
▲ 0.50% · 4.625%
HK$222,501
+HK$12,762/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$419,478/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,564
−HK$11,862/mo
▼ 0.25% · 3.875%
HK$225,452
−HK$5,974/mo
Today · 4.125%
HK$231,426
baseline
▲ 0.50% · 4.625%
HK$243,625
+HK$12,199/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$462,852/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,605 · Scale 2, in force from 26 Feb 2026)