LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,913
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,176
−HK$3,316/mo
Today · 4.125%
HK$111,492
baseline
▲ 0.50% · 4.625%
HK$118,276
+HK$6,784/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$222,984/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,715
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,845
−HK$3,175/mo
Today · 4.125%
HK$123,020
baseline
▲ 0.50% · 4.625%
HK$129,505
+HK$6,485/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$246,040/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,895
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,812
−HK$3,978/mo
Today · 4.125%
HK$133,790
baseline
▲ 0.50% · 4.625%
HK$141,931
+HK$8,141/mo
Deposit HK$18.40M · loan HK$27.61M · min. income ≈ HK$267,580/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,057
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,814
−HK$3,810/mo
Today · 4.125%
HK$147,624
baseline
▲ 0.50% · 4.625%
HK$155,406
+HK$7,782/mo
Deposit HK$18.40M · loan HK$27.61M · min. income ≈ HK$295,248/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,878
−HK$9,211/mo
▼ 0.25% · 3.875%
HK$151,447
−HK$4,642/mo
Today · 4.125%
HK$156,089
baseline
▲ 0.50% · 4.625%
HK$165,586
+HK$9,497/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$312,178/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,400
−HK$8,828/mo
▼ 0.25% · 3.875%
HK$167,783
−HK$4,445/mo
Today · 4.125%
HK$172,228
baseline
▲ 0.50% · 4.625%
HK$181,307
+HK$9,079/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$344,456/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,843
−HK$11,842/mo
▼ 0.25% · 3.875%
HK$194,717
−HK$5,968/mo
Today · 4.125%
HK$200,685
baseline
▲ 0.50% · 4.625%
HK$212,897
+HK$12,212/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$401,370/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,086
−HK$11,350/mo
▼ 0.25% · 3.875%
HK$215,721
−HK$5,715/mo
Today · 4.125%
HK$221,436
baseline
▲ 0.50% · 4.625%
HK$233,109
+HK$11,673/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$442,872/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,393 · Scale 2, in force from 26 Feb 2026)