LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,655
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,066
−HK$3,465/mo
Today · 4.125%
HK$116,531
baseline
▲ 0.50% · 4.625%
HK$123,622
+HK$7,091/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$233,062/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,990
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,262
−HK$3,319/mo
Today · 4.125%
HK$128,581
baseline
▲ 0.50% · 4.625%
HK$135,359
+HK$6,778/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,162/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,586
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$135,679
−HK$4,159/mo
Today · 4.125%
HK$139,838
baseline
▲ 0.50% · 4.625%
HK$148,347
+HK$8,509/mo
Deposit HK$19.24M · loan HK$28.85M · min. income ≈ HK$279,676/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,388
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,314
−HK$3,983/mo
Today · 4.125%
HK$154,297
baseline
▲ 0.50% · 4.625%
HK$162,430
+HK$8,133/mo
Deposit HK$19.24M · loan HK$28.85M · min. income ≈ HK$308,594/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,517
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$158,292
−HK$4,852/mo
Today · 4.125%
HK$163,144
baseline
▲ 0.50% · 4.625%
HK$173,071
+HK$9,927/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$326,288/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,786
−HK$9,227/mo
▼ 0.25% · 3.875%
HK$175,367
−HK$4,646/mo
Today · 4.125%
HK$180,013
baseline
▲ 0.50% · 4.625%
HK$189,502
+HK$9,489/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$360,026/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,379
−HK$12,378/mo
▼ 0.25% · 3.875%
HK$203,519
−HK$6,238/mo
Today · 4.125%
HK$209,757
baseline
▲ 0.50% · 4.625%
HK$222,520
+HK$12,763/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$419,514/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,582
−HK$11,864/mo
▼ 0.25% · 3.875%
HK$225,472
−HK$5,974/mo
Today · 4.125%
HK$231,446
baseline
▲ 0.50% · 4.625%
HK$243,646
+HK$12,200/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$462,892/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,781 · Scale 2, in force from 26 Feb 2026)