LTV · monthly repayment
▼ 0.50% · 3.625%
HK$110,144
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,570
−HK$3,481/mo
Today · 4.125%
HK$117,051
baseline
▲ 0.50% · 4.625%
HK$124,173
+HK$7,122/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$234,102/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,534
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,820
−HK$3,334/mo
Today · 4.125%
HK$129,154
baseline
▲ 0.50% · 4.625%
HK$135,962
+HK$6,808/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$258,308/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,173
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,284
−HK$4,177/mo
Today · 4.125%
HK$140,461
baseline
▲ 0.50% · 4.625%
HK$149,008
+HK$8,547/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$280,922/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,041
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$150,985
−HK$4,000/mo
Today · 4.125%
HK$154,985
baseline
▲ 0.50% · 4.625%
HK$163,155
+HK$8,170/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$309,970/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,202
−HK$9,669/mo
▼ 0.25% · 3.875%
HK$158,998
−HK$4,873/mo
Today · 4.125%
HK$163,871
baseline
▲ 0.50% · 4.625%
HK$173,843
+HK$9,972/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$327,742/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,548
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$176,149
−HK$4,667/mo
Today · 4.125%
HK$180,816
baseline
▲ 0.50% · 4.625%
HK$190,347
+HK$9,531/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$361,632/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,259
−HK$12,433/mo
▼ 0.25% · 3.875%
HK$204,426
−HK$6,266/mo
Today · 4.125%
HK$210,692
baseline
▲ 0.50% · 4.625%
HK$223,512
+HK$12,820/mo
Deposit HK$4.83M · loan HK$43.47M · min. income ≈ HK$421,384/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,561
−HK$11,917/mo
▼ 0.25% · 3.875%
HK$226,477
−HK$6,001/mo
Today · 4.125%
HK$232,478
baseline
▲ 0.50% · 4.625%
HK$244,732
+HK$12,254/mo
Deposit HK$4.83M · loan HK$43.47M · min. income ≈ HK$464,956/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,893 · Scale 2, in force from 26 Feb 2026)