LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,991
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,257
−HK$3,318/mo
Today · 4.125%
HK$111,575
baseline
▲ 0.50% · 4.625%
HK$118,364
+HK$6,789/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,150/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,801
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,934
−HK$3,178/mo
Today · 4.125%
HK$123,112
baseline
▲ 0.50% · 4.625%
HK$129,601
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,224/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,989
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,908
−HK$3,982/mo
Today · 4.125%
HK$133,890
baseline
▲ 0.50% · 4.625%
HK$142,037
+HK$8,147/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,780/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,162
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,921
−HK$3,813/mo
Today · 4.125%
HK$147,734
baseline
▲ 0.50% · 4.625%
HK$155,521
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,468/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,987
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$151,559
−HK$4,646/mo
Today · 4.125%
HK$156,205
baseline
▲ 0.50% · 4.625%
HK$165,709
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,410/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,522
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$167,907
−HK$4,449/mo
Today · 4.125%
HK$172,356
baseline
▲ 0.50% · 4.625%
HK$181,442
+HK$9,086/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,712/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,984
−HK$11,851/mo
▼ 0.25% · 3.875%
HK$194,862
−HK$5,973/mo
Today · 4.125%
HK$200,835
baseline
▲ 0.50% · 4.625%
HK$213,055
+HK$12,220/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,670/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,242
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$215,881
−HK$5,720/mo
Today · 4.125%
HK$221,601
baseline
▲ 0.50% · 4.625%
HK$233,282
+HK$11,681/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,202/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,848 · Scale 2, in force from 26 Feb 2026)