LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,649
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,060
−HK$3,465/mo
Today · 4.125%
HK$116,525
baseline
▲ 0.50% · 4.625%
HK$123,616
+HK$7,091/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$233,050/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,984
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,255
−HK$3,319/mo
Today · 4.125%
HK$128,574
baseline
▲ 0.50% · 4.625%
HK$135,352
+HK$6,778/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,148/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,579
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$135,672
−HK$4,159/mo
Today · 4.125%
HK$139,831
baseline
▲ 0.50% · 4.625%
HK$148,339
+HK$8,508/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$279,662/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,381
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,307
−HK$3,982/mo
Today · 4.125%
HK$154,289
baseline
▲ 0.50% · 4.625%
HK$162,422
+HK$8,133/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$308,578/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,509
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$158,284
−HK$4,852/mo
Today · 4.125%
HK$163,136
baseline
▲ 0.50% · 4.625%
HK$173,062
+HK$9,926/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$326,272/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,777
−HK$9,227/mo
▼ 0.25% · 3.875%
HK$175,358
−HK$4,646/mo
Today · 4.125%
HK$180,004
baseline
▲ 0.50% · 4.625%
HK$189,492
+HK$9,488/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$360,008/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,369
−HK$12,377/mo
▼ 0.25% · 3.875%
HK$203,508
−HK$6,238/mo
Today · 4.125%
HK$209,746
baseline
▲ 0.50% · 4.625%
HK$222,508
+HK$12,762/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$419,492/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,571
−HK$11,863/mo
▼ 0.25% · 3.875%
HK$225,460
−HK$5,974/mo
Today · 4.125%
HK$231,434
baseline
▲ 0.50% · 4.625%
HK$243,633
+HK$12,199/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$462,868/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,675 · Scale 2, in force from 26 Feb 2026)