LTV · monthly repayment
▼ 0.50% · 3.625%
HK$110,124
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,549
−HK$3,480/mo
Today · 4.125%
HK$117,029
baseline
▲ 0.50% · 4.625%
HK$124,150
+HK$7,121/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$234,058/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,512
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,797
−HK$3,333/mo
Today · 4.125%
HK$129,130
baseline
▲ 0.50% · 4.625%
HK$135,937
+HK$6,807/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$258,260/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,148
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$136,259
−HK$4,176/mo
Today · 4.125%
HK$140,435
baseline
▲ 0.50% · 4.625%
HK$148,981
+HK$8,546/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$280,870/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,014
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$150,957
−HK$4,000/mo
Today · 4.125%
HK$154,957
baseline
▲ 0.50% · 4.625%
HK$163,125
+HK$8,168/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$309,914/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,173
−HK$9,668/mo
▼ 0.25% · 3.875%
HK$158,969
−HK$4,872/mo
Today · 4.125%
HK$163,841
baseline
▲ 0.50% · 4.625%
HK$173,811
+HK$9,970/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$327,682/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,516
−HK$9,267/mo
▼ 0.25% · 3.875%
HK$176,116
−HK$4,667/mo
Today · 4.125%
HK$180,783
baseline
▲ 0.50% · 4.625%
HK$190,312
+HK$9,529/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$361,566/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,223
−HK$12,430/mo
▼ 0.25% · 3.875%
HK$204,389
−HK$6,264/mo
Today · 4.125%
HK$210,653
baseline
▲ 0.50% · 4.625%
HK$223,471
+HK$12,818/mo
Deposit HK$4.83M · loan HK$43.47M · min. income ≈ HK$421,306/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,521
−HK$11,914/mo
▼ 0.25% · 3.875%
HK$226,435
−HK$6,000/mo
Today · 4.125%
HK$232,435
baseline
▲ 0.50% · 4.625%
HK$244,687
+HK$12,252/mo
Deposit HK$4.83M · loan HK$43.47M · min. income ≈ HK$464,870/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,515 · Scale 2, in force from 26 Feb 2026)