LTV · monthly repayment
▼ 0.50% · 3.625%
HK$112,592
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,095
−HK$3,558/mo
Today · 4.125%
HK$119,653
baseline
▲ 0.50% · 4.625%
HK$126,933
+HK$7,280/mo
Deposit HK$24.69M · loan HK$24.69M · min. income ≈ HK$239,306/mo (50% DSR)
Upfront cash ≈ HK$26.79M (deposit + AVD stamp duty HK$2,098,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,258
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,617
−HK$3,408/mo
Today · 4.125%
HK$132,025
baseline
▲ 0.50% · 4.625%
HK$138,984
+HK$6,959/mo
Deposit HK$24.69M · loan HK$24.69M · min. income ≈ HK$264,050/mo (50% DSR)
Upfront cash ≈ HK$26.79M (deposit + AVD stamp duty HK$2,098,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,111
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$139,313
−HK$4,270/mo
Today · 4.125%
HK$143,583
baseline
▲ 0.50% · 4.625%
HK$152,320
+HK$8,737/mo
Deposit HK$19.75M · loan HK$29.63M · min. income ≈ HK$287,166/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,098,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,309
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$154,341
−HK$4,089/mo
Today · 4.125%
HK$158,430
baseline
▲ 0.50% · 4.625%
HK$166,781
+HK$8,351/mo
Deposit HK$19.75M · loan HK$29.63M · min. income ≈ HK$316,860/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,098,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,629
−HK$9,885/mo
▼ 0.25% · 3.875%
HK$162,532
−HK$4,982/mo
Today · 4.125%
HK$167,514
baseline
▲ 0.50% · 4.625%
HK$177,707
+HK$10,193/mo
Deposit HK$14.81M · loan HK$34.56M · min. income ≈ HK$335,028/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$2,098,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,361
−HK$9,474/mo
▼ 0.25% · 3.875%
HK$180,064
−HK$4,771/mo
Today · 4.125%
HK$184,835
baseline
▲ 0.50% · 4.625%
HK$194,578
+HK$9,743/mo
Deposit HK$14.81M · loan HK$34.56M · min. income ≈ HK$369,670/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$2,098,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,666
−HK$12,709/mo
▼ 0.25% · 3.875%
HK$208,970
−HK$6,405/mo
Today · 4.125%
HK$215,375
baseline
▲ 0.50% · 4.625%
HK$228,480
+HK$13,105/mo
Deposit HK$4.94M · loan HK$44.44M · min. income ≈ HK$430,750/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,098,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,464
−HK$12,181/mo
▼ 0.25% · 3.875%
HK$231,511
−HK$6,134/mo
Today · 4.125%
HK$237,645
baseline
▲ 0.50% · 4.625%
HK$250,172
+HK$12,527/mo
Deposit HK$4.94M · loan HK$44.44M · min. income ≈ HK$475,290/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,098,524 · Scale 2, in force from 26 Feb 2026)