LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,722
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,135
−HK$3,468/mo
Today · 4.125%
HK$116,603
baseline
▲ 0.50% · 4.625%
HK$123,698
+HK$7,095/mo
Deposit HK$24.06M · loan HK$24.06M · min. income ≈ HK$233,206/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$2,045,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,065
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,339
−HK$3,321/mo
Today · 4.125%
HK$128,660
baseline
▲ 0.50% · 4.625%
HK$135,441
+HK$6,781/mo
Deposit HK$24.06M · loan HK$24.06M · min. income ≈ HK$257,320/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$2,045,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,667
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$135,762
−HK$4,161/mo
Today · 4.125%
HK$139,923
baseline
▲ 0.50% · 4.625%
HK$148,437
+HK$8,514/mo
Deposit HK$19.25M · loan HK$28.87M · min. income ≈ HK$279,846/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$2,045,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,478
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$150,406
−HK$3,986/mo
Today · 4.125%
HK$154,392
baseline
▲ 0.50% · 4.625%
HK$162,530
+HK$8,138/mo
Deposit HK$19.25M · loan HK$28.87M · min. income ≈ HK$308,784/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$2,045,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,611
−HK$9,633/mo
▼ 0.25% · 3.875%
HK$158,389
−HK$4,855/mo
Today · 4.125%
HK$163,244
baseline
▲ 0.50% · 4.625%
HK$173,177
+HK$9,933/mo
Deposit HK$14.44M · loan HK$33.68M · min. income ≈ HK$326,488/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,045,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,891
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$175,474
−HK$4,650/mo
Today · 4.125%
HK$180,124
baseline
▲ 0.50% · 4.625%
HK$189,618
+HK$9,494/mo
Deposit HK$14.44M · loan HK$33.68M · min. income ≈ HK$360,248/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,045,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,500
−HK$12,385/mo
▼ 0.25% · 3.875%
HK$203,643
−HK$6,242/mo
Today · 4.125%
HK$209,885
baseline
▲ 0.50% · 4.625%
HK$222,656
+HK$12,771/mo
Deposit HK$4.81M · loan HK$43.31M · min. income ≈ HK$419,770/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,717
−HK$11,870/mo
▼ 0.25% · 3.875%
HK$225,609
−HK$5,978/mo
Today · 4.125%
HK$231,587
baseline
▲ 0.50% · 4.625%
HK$243,795
+HK$12,208/mo
Deposit HK$4.81M · loan HK$43.31M · min. income ≈ HK$463,174/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,031 · Scale 2, in force from 26 Feb 2026)