LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,662
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,073
−HK$3,466/mo
Today · 4.125%
HK$116,539
baseline
▲ 0.50% · 4.625%
HK$123,630
+HK$7,091/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$233,078/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,998
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,270
−HK$3,319/mo
Today · 4.125%
HK$128,589
baseline
▲ 0.50% · 4.625%
HK$135,367
+HK$6,778/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$257,178/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,594
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,688
−HK$4,159/mo
Today · 4.125%
HK$139,847
baseline
▲ 0.50% · 4.625%
HK$148,356
+HK$8,509/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$279,694/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,398
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,324
−HK$3,983/mo
Today · 4.125%
HK$154,307
baseline
▲ 0.50% · 4.625%
HK$162,441
+HK$8,134/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$308,614/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,527
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$158,302
−HK$4,852/mo
Today · 4.125%
HK$163,154
baseline
▲ 0.50% · 4.625%
HK$173,082
+HK$9,928/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$326,308/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,797
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$175,378
−HK$4,647/mo
Today · 4.125%
HK$180,025
baseline
▲ 0.50% · 4.625%
HK$189,514
+HK$9,489/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$360,050/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,392
−HK$12,378/mo
▼ 0.25% · 3.875%
HK$203,532
−HK$6,238/mo
Today · 4.125%
HK$209,770
baseline
▲ 0.50% · 4.625%
HK$222,534
+HK$12,764/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$419,540/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,596
−HK$11,864/mo
▼ 0.25% · 3.875%
HK$225,486
−HK$5,974/mo
Today · 4.125%
HK$231,460
baseline
▲ 0.50% · 4.625%
HK$243,661
+HK$12,201/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$462,920/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,910 · Scale 2, in force from 26 Feb 2026)