LTV · monthly repayment
▼ 0.50% · 3.625%
HK$111,860
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,340
−HK$3,535/mo
Today · 4.125%
HK$118,875
baseline
▲ 0.50% · 4.625%
HK$126,108
+HK$7,233/mo
Deposit HK$24.53M · loan HK$24.53M · min. income ≈ HK$237,750/mo (50% DSR)
Upfront cash ≈ HK$26.61M (deposit + AVD stamp duty HK$2,084,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,443
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$127,781
−HK$3,386/mo
Today · 4.125%
HK$131,167
baseline
▲ 0.50% · 4.625%
HK$138,081
+HK$6,914/mo
Deposit HK$24.53M · loan HK$24.53M · min. income ≈ HK$262,334/mo (50% DSR)
Upfront cash ≈ HK$26.61M (deposit + AVD stamp duty HK$2,084,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,232
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$138,408
−HK$4,242/mo
Today · 4.125%
HK$142,650
baseline
▲ 0.50% · 4.625%
HK$151,330
+HK$8,680/mo
Deposit HK$19.62M · loan HK$29.43M · min. income ≈ HK$285,300/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$2,084,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,332
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$153,337
−HK$4,063/mo
Today · 4.125%
HK$157,400
baseline
▲ 0.50% · 4.625%
HK$165,697
+HK$8,297/mo
Deposit HK$19.62M · loan HK$29.43M · min. income ≈ HK$314,800/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$2,084,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,604
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$161,475
−HK$4,950/mo
Today · 4.125%
HK$166,425
baseline
▲ 0.50% · 4.625%
HK$176,551
+HK$10,126/mo
Deposit HK$14.72M · loan HK$34.34M · min. income ≈ HK$332,850/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$2,084,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,221
−HK$9,412/mo
▼ 0.25% · 3.875%
HK$178,893
−HK$4,740/mo
Today · 4.125%
HK$183,633
baseline
▲ 0.50% · 4.625%
HK$193,313
+HK$9,680/mo
Deposit HK$14.72M · loan HK$34.34M · min. income ≈ HK$367,266/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$2,084,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,348
−HK$12,627/mo
▼ 0.25% · 3.875%
HK$207,611
−HK$6,364/mo
Today · 4.125%
HK$213,975
baseline
▲ 0.50% · 4.625%
HK$226,994
+HK$13,019/mo
Deposit HK$4.91M · loan HK$44.15M · min. income ≈ HK$427,950/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,084,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,998
−HK$12,102/mo
▼ 0.25% · 3.875%
HK$230,005
−HK$6,095/mo
Today · 4.125%
HK$236,100
baseline
▲ 0.50% · 4.625%
HK$248,545
+HK$12,445/mo
Deposit HK$4.91M · loan HK$44.15M · min. income ≈ HK$472,200/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,084,878 · Scale 2, in force from 26 Feb 2026)