LTV · monthly repayment
▼ 0.50% · 3.625%
HK$110,014
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,436
−HK$3,477/mo
Today · 4.125%
HK$116,913
baseline
▲ 0.50% · 4.625%
HK$124,027
+HK$7,114/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$233,826/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,050,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,389
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,672
−HK$3,330/mo
Today · 4.125%
HK$129,002
baseline
▲ 0.50% · 4.625%
HK$135,801
+HK$6,799/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$258,004/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,050,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,017
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,123
−HK$4,172/mo
Today · 4.125%
HK$140,295
baseline
▲ 0.50% · 4.625%
HK$148,832
+HK$8,537/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$280,590/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,867
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,806
−HK$3,996/mo
Today · 4.125%
HK$154,802
baseline
▲ 0.50% · 4.625%
HK$162,962
+HK$8,160/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$309,604/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,019
−HK$9,659/mo
▼ 0.25% · 3.875%
HK$158,810
−HK$4,868/mo
Today · 4.125%
HK$163,678
baseline
▲ 0.50% · 4.625%
HK$173,637
+HK$9,959/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$327,356/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,050,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,345
−HK$9,257/mo
▼ 0.25% · 3.875%
HK$175,940
−HK$4,662/mo
Today · 4.125%
HK$180,602
baseline
▲ 0.50% · 4.625%
HK$190,122
+HK$9,520/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$361,204/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,050,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,025
−HK$12,418/mo
▼ 0.25% · 3.875%
HK$204,185
−HK$6,258/mo
Today · 4.125%
HK$210,443
baseline
▲ 0.50% · 4.625%
HK$223,248
+HK$12,805/mo
Deposit HK$4.82M · loan HK$43.42M · min. income ≈ HK$420,886/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,301
−HK$11,902/mo
▼ 0.25% · 3.875%
HK$226,209
−HK$5,994/mo
Today · 4.125%
HK$232,203
baseline
▲ 0.50% · 4.625%
HK$244,443
+HK$12,240/mo
Deposit HK$4.82M · loan HK$43.42M · min. income ≈ HK$464,406/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,467 · Scale 2, in force from 26 Feb 2026)