LTV · monthly repayment
▼ 0.50% · 3.625%
HK$110,120
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,545
−HK$3,480/mo
Today · 4.125%
HK$117,025
baseline
▲ 0.50% · 4.625%
HK$124,146
+HK$7,121/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$234,050/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,507
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,793
−HK$3,333/mo
Today · 4.125%
HK$129,126
baseline
▲ 0.50% · 4.625%
HK$135,932
+HK$6,806/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$258,252/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,144
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$136,254
−HK$4,176/mo
Today · 4.125%
HK$140,430
baseline
▲ 0.50% · 4.625%
HK$148,975
+HK$8,545/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$280,860/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,009
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,951
−HK$4,000/mo
Today · 4.125%
HK$154,951
baseline
▲ 0.50% · 4.625%
HK$163,119
+HK$8,168/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$309,902/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,168
−HK$9,667/mo
▼ 0.25% · 3.875%
HK$158,963
−HK$4,872/mo
Today · 4.125%
HK$163,835
baseline
▲ 0.50% · 4.625%
HK$173,804
+HK$9,969/mo
Deposit HK$14.49M · loan HK$33.80M · min. income ≈ HK$327,670/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,510
−HK$9,266/mo
▼ 0.25% · 3.875%
HK$176,110
−HK$4,666/mo
Today · 4.125%
HK$180,776
baseline
▲ 0.50% · 4.625%
HK$190,305
+HK$9,529/mo
Deposit HK$14.49M · loan HK$33.80M · min. income ≈ HK$361,552/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,216
−HK$12,430/mo
▼ 0.25% · 3.875%
HK$204,381
−HK$6,265/mo
Today · 4.125%
HK$210,646
baseline
▲ 0.50% · 4.625%
HK$223,463
+HK$12,817/mo
Deposit HK$4.83M · loan HK$43.46M · min. income ≈ HK$421,292/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,513
−HK$11,914/mo
▼ 0.25% · 3.875%
HK$226,427
−HK$6,000/mo
Today · 4.125%
HK$232,427
baseline
▲ 0.50% · 4.625%
HK$244,678
+HK$12,251/mo
Deposit HK$4.83M · loan HK$43.46M · min. income ≈ HK$464,854/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,442 · Scale 2, in force from 26 Feb 2026)