LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,905
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,324
−HK$3,473/mo
Today · 4.125%
HK$116,797
baseline
▲ 0.50% · 4.625%
HK$123,904
+HK$7,107/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$233,594/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,268
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,547
−HK$3,327/mo
Today · 4.125%
HK$128,874
baseline
▲ 0.50% · 4.625%
HK$135,667
+HK$6,793/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$257,748/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,886
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$135,988
−HK$4,168/mo
Today · 4.125%
HK$140,156
baseline
▲ 0.50% · 4.625%
HK$148,685
+HK$8,529/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$280,312/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,722
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$150,657
−HK$3,992/mo
Today · 4.125%
HK$154,649
baseline
▲ 0.50% · 4.625%
HK$162,801
+HK$8,152/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$309,298/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,867
−HK$9,649/mo
▼ 0.25% · 3.875%
HK$158,653
−HK$4,863/mo
Today · 4.125%
HK$163,516
baseline
▲ 0.50% · 4.625%
HK$173,465
+HK$9,949/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$327,032/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,176
−HK$9,248/mo
▼ 0.25% · 3.875%
HK$175,766
−HK$4,658/mo
Today · 4.125%
HK$180,424
baseline
▲ 0.50% · 4.625%
HK$189,934
+HK$9,510/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$360,848/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,829
−HK$12,406/mo
▼ 0.25% · 3.875%
HK$203,983
−HK$6,252/mo
Today · 4.125%
HK$210,235
baseline
▲ 0.50% · 4.625%
HK$223,027
+HK$12,792/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$420,470/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,083
−HK$11,890/mo
▼ 0.25% · 3.875%
HK$225,985
−HK$5,988/mo
Today · 4.125%
HK$231,973
baseline
▲ 0.50% · 4.625%
HK$244,201
+HK$12,228/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$463,946/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,438 · Scale 2, in force from 26 Feb 2026)