LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,957
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,222
−HK$3,317/mo
Today · 4.125%
HK$111,539
baseline
▲ 0.50% · 4.625%
HK$118,326
+HK$6,787/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$223,078/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$1,956,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,764
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,896
−HK$3,176/mo
Today · 4.125%
HK$123,072
baseline
▲ 0.50% · 4.625%
HK$129,560
+HK$6,488/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$246,144/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$1,956,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,949
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$129,866
−HK$3,981/mo
Today · 4.125%
HK$133,847
baseline
▲ 0.50% · 4.625%
HK$141,991
+HK$8,144/mo
Deposit HK$18.41M · loan HK$27.62M · min. income ≈ HK$267,694/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,117
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,875
−HK$3,812/mo
Today · 4.125%
HK$147,687
baseline
▲ 0.50% · 4.625%
HK$155,472
+HK$7,785/mo
Deposit HK$18.41M · loan HK$27.62M · min. income ≈ HK$295,374/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,940
−HK$9,215/mo
▼ 0.25% · 3.875%
HK$151,511
−HK$4,644/mo
Today · 4.125%
HK$156,155
baseline
▲ 0.50% · 4.625%
HK$165,656
+HK$9,501/mo
Deposit HK$13.81M · loan HK$32.22M · min. income ≈ HK$312,310/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,956,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,470
−HK$8,831/mo
▼ 0.25% · 3.875%
HK$167,854
−HK$4,447/mo
Today · 4.125%
HK$172,301
baseline
▲ 0.50% · 4.625%
HK$181,384
+HK$9,083/mo
Deposit HK$13.81M · loan HK$32.22M · min. income ≈ HK$344,602/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,956,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,923
−HK$11,847/mo
▼ 0.25% · 3.875%
HK$194,800
−HK$5,970/mo
Today · 4.125%
HK$200,770
baseline
▲ 0.50% · 4.625%
HK$212,987
+HK$12,217/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$401,540/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,175
−HK$11,355/mo
▼ 0.25% · 3.875%
HK$215,812
−HK$5,718/mo
Today · 4.125%
HK$221,530
baseline
▲ 0.50% · 4.625%
HK$233,207
+HK$11,677/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$443,060/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,222 · Scale 2, in force from 26 Feb 2026)