LTV · monthly repayment
▼ 0.50% · 3.625%
HK$110,572
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$114,011
−HK$3,494/mo
Today · 4.125%
HK$117,505
baseline
▲ 0.50% · 4.625%
HK$124,655
+HK$7,150/mo
Deposit HK$24.25M · loan HK$24.25M · min. income ≈ HK$235,010/mo (50% DSR)
Upfront cash ≈ HK$26.31M (deposit + AVD stamp duty HK$2,060,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,010
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,309
−HK$3,347/mo
Today · 4.125%
HK$129,656
baseline
▲ 0.50% · 4.625%
HK$136,490
+HK$6,834/mo
Deposit HK$24.25M · loan HK$24.25M · min. income ≈ HK$259,312/mo (50% DSR)
Upfront cash ≈ HK$26.31M (deposit + AVD stamp duty HK$2,060,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,686
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$136,813
−HK$4,193/mo
Today · 4.125%
HK$141,006
baseline
▲ 0.50% · 4.625%
HK$149,586
+HK$8,580/mo
Deposit HK$19.40M · loan HK$29.09M · min. income ≈ HK$282,012/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,060,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,612
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,570
−HK$4,017/mo
Today · 4.125%
HK$155,587
baseline
▲ 0.50% · 4.625%
HK$163,788
+HK$8,201/mo
Deposit HK$19.40M · loan HK$29.09M · min. income ≈ HK$311,174/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,060,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,800
−HK$9,707/mo
▼ 0.25% · 3.875%
HK$159,615
−HK$4,892/mo
Today · 4.125%
HK$164,507
baseline
▲ 0.50% · 4.625%
HK$174,517
+HK$10,010/mo
Deposit HK$14.55M · loan HK$33.94M · min. income ≈ HK$329,014/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$2,060,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,214
−HK$9,304/mo
▼ 0.25% · 3.875%
HK$176,832
−HK$4,686/mo
Today · 4.125%
HK$181,518
baseline
▲ 0.50% · 4.625%
HK$191,086
+HK$9,568/mo
Deposit HK$14.55M · loan HK$33.94M · min. income ≈ HK$363,036/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$2,060,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,029
−HK$12,481/mo
▼ 0.25% · 3.875%
HK$205,220
−HK$6,290/mo
Today · 4.125%
HK$211,510
baseline
▲ 0.50% · 4.625%
HK$224,379
+HK$12,869/mo
Deposit HK$4.85M · loan HK$43.64M · min. income ≈ HK$423,020/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,417
−HK$11,963/mo
▼ 0.25% · 3.875%
HK$227,356
−HK$6,024/mo
Today · 4.125%
HK$233,380
baseline
▲ 0.50% · 4.625%
HK$245,682
+HK$12,302/mo
Deposit HK$4.85M · loan HK$43.64M · min. income ≈ HK$466,760/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,860 · Scale 2, in force from 26 Feb 2026)