LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,709
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,966
−HK$3,309/mo
Today · 4.125%
HK$111,275
baseline
▲ 0.50% · 4.625%
HK$118,046
+HK$6,771/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$222,550/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,488
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,612
−HK$3,169/mo
Today · 4.125%
HK$122,781
baseline
▲ 0.50% · 4.625%
HK$129,253
+HK$6,472/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$245,562/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,651
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,559
−HK$3,971/mo
Today · 4.125%
HK$133,530
baseline
▲ 0.50% · 4.625%
HK$141,655
+HK$8,125/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$267,060/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,785
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,534
−HK$3,803/mo
Today · 4.125%
HK$147,337
baseline
▲ 0.50% · 4.625%
HK$155,104
+HK$7,767/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$294,674/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,592
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$151,152
−HK$4,633/mo
Today · 4.125%
HK$155,785
baseline
▲ 0.50% · 4.625%
HK$165,264
+HK$9,479/mo
Deposit HK$13.78M · loan HK$32.14M · min. income ≈ HK$311,570/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,083
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,456
−HK$4,438/mo
Today · 4.125%
HK$171,894
baseline
▲ 0.50% · 4.625%
HK$180,954
+HK$9,060/mo
Deposit HK$13.78M · loan HK$32.14M · min. income ≈ HK$343,788/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,476
−HK$11,819/mo
▼ 0.25% · 3.875%
HK$194,339
−HK$5,956/mo
Today · 4.125%
HK$200,295
baseline
▲ 0.50% · 4.625%
HK$212,483
+HK$12,188/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$400,590/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,678
−HK$11,328/mo
▼ 0.25% · 3.875%
HK$215,301
−HK$5,705/mo
Today · 4.125%
HK$221,006
baseline
▲ 0.50% · 4.625%
HK$232,655
+HK$11,649/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$442,012/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,592 · Scale 2, in force from 26 Feb 2026)