LTV · monthly repayment
▼ 0.50% · 3.625%
HK$110,137
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,563
−HK$3,480/mo
Today · 4.125%
HK$117,043
baseline
▲ 0.50% · 4.625%
HK$124,165
+HK$7,122/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$234,086/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,526
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,812
−HK$3,334/mo
Today · 4.125%
HK$129,146
baseline
▲ 0.50% · 4.625%
HK$135,953
+HK$6,807/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$258,292/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,164
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,275
−HK$4,177/mo
Today · 4.125%
HK$140,452
baseline
▲ 0.50% · 4.625%
HK$148,998
+HK$8,546/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$280,904/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,031
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$150,975
−HK$4,000/mo
Today · 4.125%
HK$154,975
baseline
▲ 0.50% · 4.625%
HK$163,144
+HK$8,169/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$309,950/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,192
−HK$9,669/mo
▼ 0.25% · 3.875%
HK$158,988
−HK$4,873/mo
Today · 4.125%
HK$163,861
baseline
▲ 0.50% · 4.625%
HK$173,831
+HK$9,970/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$327,722/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,537
−HK$9,267/mo
▼ 0.25% · 3.875%
HK$176,137
−HK$4,667/mo
Today · 4.125%
HK$180,804
baseline
▲ 0.50% · 4.625%
HK$190,335
+HK$9,531/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$361,608/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,246
−HK$12,432/mo
▼ 0.25% · 3.875%
HK$204,413
−HK$6,265/mo
Today · 4.125%
HK$210,678
baseline
▲ 0.50% · 4.625%
HK$223,498
+HK$12,820/mo
Deposit HK$4.83M · loan HK$43.47M · min. income ≈ HK$421,356/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,547
−HK$11,916/mo
▼ 0.25% · 3.875%
HK$226,462
−HK$6,001/mo
Today · 4.125%
HK$232,463
baseline
▲ 0.50% · 4.625%
HK$244,716
+HK$12,253/mo
Deposit HK$4.83M · loan HK$43.47M · min. income ≈ HK$464,926/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,760 · Scale 2, in force from 26 Feb 2026)