LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,914
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,177
−HK$3,316/mo
Today · 4.125%
HK$111,493
baseline
▲ 0.50% · 4.625%
HK$118,277
+HK$6,784/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$222,986/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,716
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,846
−HK$3,176/mo
Today · 4.125%
HK$123,022
baseline
▲ 0.50% · 4.625%
HK$129,506
+HK$6,484/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$246,044/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,897
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,813
−HK$3,979/mo
Today · 4.125%
HK$133,792
baseline
▲ 0.50% · 4.625%
HK$141,933
+HK$8,141/mo
Deposit HK$18.40M · loan HK$27.61M · min. income ≈ HK$267,584/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,059
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,815
−HK$3,811/mo
Today · 4.125%
HK$147,626
baseline
▲ 0.50% · 4.625%
HK$155,407
+HK$7,781/mo
Deposit HK$18.40M · loan HK$27.61M · min. income ≈ HK$295,252/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,880
−HK$9,210/mo
▼ 0.25% · 3.875%
HK$151,448
−HK$4,642/mo
Today · 4.125%
HK$156,090
baseline
▲ 0.50% · 4.625%
HK$165,588
+HK$9,498/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$312,180/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,402
−HK$8,828/mo
▼ 0.25% · 3.875%
HK$167,784
−HK$4,446/mo
Today · 4.125%
HK$172,230
baseline
▲ 0.50% · 4.625%
HK$181,309
+HK$9,079/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$344,460/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,845
−HK$11,842/mo
▼ 0.25% · 3.875%
HK$194,719
−HK$5,968/mo
Today · 4.125%
HK$200,687
baseline
▲ 0.50% · 4.625%
HK$212,899
+HK$12,212/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$401,374/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,088
−HK$11,351/mo
▼ 0.25% · 3.875%
HK$215,723
−HK$5,716/mo
Today · 4.125%
HK$221,439
baseline
▲ 0.50% · 4.625%
HK$233,111
+HK$11,672/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$442,878/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,414 · Scale 2, in force from 26 Feb 2026)