LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,982
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,247
−HK$3,318/mo
Today · 4.125%
HK$111,565
baseline
▲ 0.50% · 4.625%
HK$118,354
+HK$6,789/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,130/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,791
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,924
−HK$3,177/mo
Today · 4.125%
HK$123,101
baseline
▲ 0.50% · 4.625%
HK$129,590
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,202/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,978
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,897
−HK$3,981/mo
Today · 4.125%
HK$133,878
baseline
▲ 0.50% · 4.625%
HK$142,024
+HK$8,146/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$267,756/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,150
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,908
−HK$3,813/mo
Today · 4.125%
HK$147,721
baseline
▲ 0.50% · 4.625%
HK$155,508
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$295,442/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,975
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$151,546
−HK$4,645/mo
Today · 4.125%
HK$156,191
baseline
▲ 0.50% · 4.625%
HK$165,695
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,382/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,508
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$167,893
−HK$4,449/mo
Today · 4.125%
HK$172,342
baseline
▲ 0.50% · 4.625%
HK$181,426
+HK$9,084/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,684/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,967
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$194,845
−HK$5,972/mo
Today · 4.125%
HK$200,817
baseline
▲ 0.50% · 4.625%
HK$213,037
+HK$12,220/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,634/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,224
−HK$11,358/mo
▼ 0.25% · 3.875%
HK$215,862
−HK$5,720/mo
Today · 4.125%
HK$221,582
baseline
▲ 0.50% · 4.625%
HK$233,262
+HK$11,680/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,164/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,680 · Scale 2, in force from 26 Feb 2026)