LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,672
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,083
−HK$3,466/mo
Today · 4.125%
HK$116,549
baseline
▲ 0.50% · 4.625%
HK$123,641
+HK$7,092/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$233,098/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,044,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,009
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,281
−HK$3,320/mo
Today · 4.125%
HK$128,601
baseline
▲ 0.50% · 4.625%
HK$135,379
+HK$6,778/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$257,202/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,044,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,606
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,700
−HK$4,159/mo
Today · 4.125%
HK$139,859
baseline
▲ 0.50% · 4.625%
HK$148,369
+HK$8,510/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$279,718/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,044,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,411
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,337
−HK$3,984/mo
Today · 4.125%
HK$154,321
baseline
▲ 0.50% · 4.625%
HK$162,455
+HK$8,134/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$308,642/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,044,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,540
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$158,316
−HK$4,853/mo
Today · 4.125%
HK$163,169
baseline
▲ 0.50% · 4.625%
HK$173,097
+HK$9,928/mo
Deposit HK$14.43M · loan HK$33.67M · min. income ≈ HK$326,338/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,044,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,812
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$175,393
−HK$4,648/mo
Today · 4.125%
HK$180,041
baseline
▲ 0.50% · 4.625%
HK$189,531
+HK$9,490/mo
Deposit HK$14.43M · loan HK$33.67M · min. income ≈ HK$360,082/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,044,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,409
−HK$12,380/mo
▼ 0.25% · 3.875%
HK$203,550
−HK$6,239/mo
Today · 4.125%
HK$209,789
baseline
▲ 0.50% · 4.625%
HK$222,554
+HK$12,765/mo
Deposit HK$4.81M · loan HK$43.29M · min. income ≈ HK$419,578/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,044,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,616
−HK$11,865/mo
▼ 0.25% · 3.875%
HK$225,506
−HK$5,975/mo
Today · 4.125%
HK$231,481
baseline
▲ 0.50% · 4.625%
HK$243,683
+HK$12,202/mo
Deposit HK$4.81M · loan HK$43.29M · min. income ≈ HK$462,962/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,044,091 · Scale 2, in force from 26 Feb 2026)