LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,979
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,244
−HK$3,318/mo
Today · 4.125%
HK$111,562
baseline
▲ 0.50% · 4.625%
HK$118,350
+HK$6,788/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,124/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,788
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,920
−HK$3,177/mo
Today · 4.125%
HK$123,097
baseline
▲ 0.50% · 4.625%
HK$129,586
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,194/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,974
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,893
−HK$3,981/mo
Today · 4.125%
HK$133,874
baseline
▲ 0.50% · 4.625%
HK$142,020
+HK$8,146/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$267,748/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,145
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,904
−HK$3,813/mo
Today · 4.125%
HK$147,717
baseline
▲ 0.50% · 4.625%
HK$155,503
+HK$7,786/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$295,434/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,970
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$151,542
−HK$4,644/mo
Today · 4.125%
HK$156,186
baseline
▲ 0.50% · 4.625%
HK$165,690
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,372/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,503
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$167,888
−HK$4,448/mo
Today · 4.125%
HK$172,336
baseline
▲ 0.50% · 4.625%
HK$181,420
+HK$9,084/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,672/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,961
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$194,839
−HK$5,972/mo
Today · 4.125%
HK$200,811
baseline
▲ 0.50% · 4.625%
HK$213,030
+HK$12,219/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$401,622/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,218
−HK$11,357/mo
▼ 0.25% · 3.875%
HK$215,856
−HK$5,719/mo
Today · 4.125%
HK$221,575
baseline
▲ 0.50% · 4.625%
HK$233,255
+HK$11,680/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$443,150/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,617 · Scale 2, in force from 26 Feb 2026)