LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,931
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,195
−HK$3,316/mo
Today · 4.125%
HK$111,511
baseline
▲ 0.50% · 4.625%
HK$118,296
+HK$6,785/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$223,022/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,734
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,865
−HK$3,176/mo
Today · 4.125%
HK$123,041
baseline
▲ 0.50% · 4.625%
HK$129,527
+HK$6,486/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$246,082/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,917
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,834
−HK$3,979/mo
Today · 4.125%
HK$133,813
baseline
▲ 0.50% · 4.625%
HK$141,955
+HK$8,142/mo
Deposit HK$18.41M · loan HK$27.61M · min. income ≈ HK$267,626/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,081
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,838
−HK$3,811/mo
Today · 4.125%
HK$147,649
baseline
▲ 0.50% · 4.625%
HK$155,432
+HK$7,783/mo
Deposit HK$18.41M · loan HK$27.61M · min. income ≈ HK$295,298/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,903
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$151,473
−HK$4,642/mo
Today · 4.125%
HK$156,115
baseline
▲ 0.50% · 4.625%
HK$165,614
+HK$9,499/mo
Deposit HK$13.81M · loan HK$32.21M · min. income ≈ HK$312,230/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,428
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$167,811
−HK$4,447/mo
Today · 4.125%
HK$172,258
baseline
▲ 0.50% · 4.625%
HK$181,338
+HK$9,080/mo
Deposit HK$13.81M · loan HK$32.21M · min. income ≈ HK$344,516/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,875
−HK$11,844/mo
▼ 0.25% · 3.875%
HK$194,750
−HK$5,969/mo
Today · 4.125%
HK$200,719
baseline
▲ 0.50% · 4.625%
HK$212,933
+HK$12,214/mo
Deposit HK$4.60M · loan HK$41.42M · min. income ≈ HK$401,438/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,122
−HK$11,352/mo
▼ 0.25% · 3.875%
HK$215,757
−HK$5,717/mo
Today · 4.125%
HK$221,474
baseline
▲ 0.50% · 4.625%
HK$233,148
+HK$11,674/mo
Deposit HK$4.60M · loan HK$41.42M · min. income ≈ HK$442,948/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,726 · Scale 2, in force from 26 Feb 2026)