LTV · monthly repayment
▼ 0.50% · 3.625%
HK$110,142
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,568
−HK$3,481/mo
Today · 4.125%
HK$117,049
baseline
▲ 0.50% · 4.625%
HK$124,171
+HK$7,122/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$234,098/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,532
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,818
−HK$3,334/mo
Today · 4.125%
HK$129,152
baseline
▲ 0.50% · 4.625%
HK$135,960
+HK$6,808/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$258,304/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,171
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,282
−HK$4,177/mo
Today · 4.125%
HK$140,459
baseline
▲ 0.50% · 4.625%
HK$149,006
+HK$8,547/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$280,918/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,039
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$150,982
−HK$4,001/mo
Today · 4.125%
HK$154,983
baseline
▲ 0.50% · 4.625%
HK$163,152
+HK$8,169/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$309,966/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,199
−HK$9,670/mo
▼ 0.25% · 3.875%
HK$158,996
−HK$4,873/mo
Today · 4.125%
HK$163,869
baseline
▲ 0.50% · 4.625%
HK$173,840
+HK$9,971/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$327,738/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,545
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$176,146
−HK$4,667/mo
Today · 4.125%
HK$180,813
baseline
▲ 0.50% · 4.625%
HK$190,344
+HK$9,531/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$361,626/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,256
−HK$12,433/mo
▼ 0.25% · 3.875%
HK$204,423
−HK$6,266/mo
Today · 4.125%
HK$210,689
baseline
▲ 0.50% · 4.625%
HK$223,508
+HK$12,819/mo
Deposit HK$4.83M · loan HK$43.47M · min. income ≈ HK$421,378/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,558
−HK$11,916/mo
▼ 0.25% · 3.875%
HK$226,473
−HK$6,001/mo
Today · 4.125%
HK$232,474
baseline
▲ 0.50% · 4.625%
HK$244,728
+HK$12,254/mo
Deposit HK$4.83M · loan HK$43.47M · min. income ≈ HK$464,948/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,861 · Scale 2, in force from 26 Feb 2026)