LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,989
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,255
−HK$3,318/mo
Today · 4.125%
HK$111,573
baseline
▲ 0.50% · 4.625%
HK$118,361
+HK$6,788/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,146/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,799
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,931
−HK$3,178/mo
Today · 4.125%
HK$123,109
baseline
▲ 0.50% · 4.625%
HK$129,599
+HK$6,490/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,218/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,987
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,905
−HK$3,982/mo
Today · 4.125%
HK$133,887
baseline
▲ 0.50% · 4.625%
HK$142,034
+HK$8,147/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,774/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,159
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,918
−HK$3,813/mo
Today · 4.125%
HK$147,731
baseline
▲ 0.50% · 4.625%
HK$155,518
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,462/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,984
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$151,556
−HK$4,646/mo
Today · 4.125%
HK$156,202
baseline
▲ 0.50% · 4.625%
HK$165,706
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,404/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,519
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$167,904
−HK$4,449/mo
Today · 4.125%
HK$172,353
baseline
▲ 0.50% · 4.625%
HK$181,438
+HK$9,085/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,706/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,980
−HK$11,851/mo
▼ 0.25% · 3.875%
HK$194,858
−HK$5,973/mo
Today · 4.125%
HK$200,831
baseline
▲ 0.50% · 4.625%
HK$213,051
+HK$12,220/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,662/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,238
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$215,877
−HK$5,720/mo
Today · 4.125%
HK$221,597
baseline
▲ 0.50% · 4.625%
HK$233,277
+HK$11,680/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,194/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,808 · Scale 2, in force from 26 Feb 2026)