LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,925
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,188
−HK$3,316/mo
Today · 4.125%
HK$111,504
baseline
▲ 0.50% · 4.625%
HK$118,289
+HK$6,785/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$223,008/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,728
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,858
−HK$3,176/mo
Today · 4.125%
HK$123,034
baseline
▲ 0.50% · 4.625%
HK$129,519
+HK$6,485/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$246,068/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,910
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,826
−HK$3,979/mo
Today · 4.125%
HK$133,805
baseline
▲ 0.50% · 4.625%
HK$141,947
+HK$8,142/mo
Deposit HK$18.41M · loan HK$27.61M · min. income ≈ HK$267,610/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,073
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,830
−HK$3,811/mo
Today · 4.125%
HK$147,641
baseline
▲ 0.50% · 4.625%
HK$155,423
+HK$7,782/mo
Deposit HK$18.41M · loan HK$27.61M · min. income ≈ HK$295,282/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,894
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$151,464
−HK$4,642/mo
Today · 4.125%
HK$156,106
baseline
▲ 0.50% · 4.625%
HK$165,605
+HK$9,499/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$312,212/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,419
−HK$8,829/mo
▼ 0.25% · 3.875%
HK$167,801
−HK$4,447/mo
Today · 4.125%
HK$172,248
baseline
▲ 0.50% · 4.625%
HK$181,327
+HK$9,079/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$344,496/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,864
−HK$11,844/mo
▼ 0.25% · 3.875%
HK$194,739
−HK$5,969/mo
Today · 4.125%
HK$200,708
baseline
▲ 0.50% · 4.625%
HK$212,920
+HK$12,212/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$401,416/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,110
−HK$11,351/mo
▼ 0.25% · 3.875%
HK$215,745
−HK$5,716/mo
Today · 4.125%
HK$221,461
baseline
▲ 0.50% · 4.625%
HK$233,135
+HK$11,674/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$442,922/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,612 · Scale 2, in force from 26 Feb 2026)