LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,697
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,109
−HK$3,467/mo
Today · 4.125%
HK$116,576
baseline
▲ 0.50% · 4.625%
HK$123,670
+HK$7,094/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$233,152/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$2,044,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,037
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,310
−HK$3,320/mo
Today · 4.125%
HK$128,630
baseline
▲ 0.50% · 4.625%
HK$135,411
+HK$6,781/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$257,260/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$2,044,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,637
−HK$8,254/mo
▼ 0.25% · 3.875%
HK$135,731
−HK$4,160/mo
Today · 4.125%
HK$139,891
baseline
▲ 0.50% · 4.625%
HK$148,403
+HK$8,512/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$279,782/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$2,044,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,444
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,372
−HK$3,984/mo
Today · 4.125%
HK$154,356
baseline
▲ 0.50% · 4.625%
HK$162,493
+HK$8,137/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$308,712/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$2,044,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,576
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$158,353
−HK$4,854/mo
Today · 4.125%
HK$163,207
baseline
▲ 0.50% · 4.625%
HK$173,137
+HK$9,930/mo
Deposit HK$14.43M · loan HK$33.68M · min. income ≈ HK$326,414/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,044,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,852
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$175,434
−HK$4,648/mo
Today · 4.125%
HK$180,082
baseline
▲ 0.50% · 4.625%
HK$189,575
+HK$9,493/mo
Deposit HK$14.43M · loan HK$33.68M · min. income ≈ HK$360,164/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,044,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,455
−HK$12,382/mo
▼ 0.25% · 3.875%
HK$203,597
−HK$6,240/mo
Today · 4.125%
HK$209,837
baseline
▲ 0.50% · 4.625%
HK$222,605
+HK$12,768/mo
Deposit HK$4.81M · loan HK$43.30M · min. income ≈ HK$419,674/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,044,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,667
−HK$11,867/mo
▼ 0.25% · 3.875%
HK$225,558
−HK$5,976/mo
Today · 4.125%
HK$231,534
baseline
▲ 0.50% · 4.625%
HK$243,739
+HK$12,205/mo
Deposit HK$4.81M · loan HK$43.30M · min. income ≈ HK$463,068/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,044,564 · Scale 2, in force from 26 Feb 2026)