LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,994
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,260
−HK$3,318/mo
Today · 4.125%
HK$111,578
baseline
▲ 0.50% · 4.625%
HK$118,367
+HK$6,789/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,156/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,805
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,938
−HK$3,178/mo
Today · 4.125%
HK$123,116
baseline
▲ 0.50% · 4.625%
HK$129,605
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,232/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,993
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,912
−HK$3,982/mo
Today · 4.125%
HK$133,894
baseline
▲ 0.50% · 4.625%
HK$142,041
+HK$8,147/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,788/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,166
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,925
−HK$3,814/mo
Today · 4.125%
HK$147,739
baseline
▲ 0.50% · 4.625%
HK$155,526
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,478/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,992
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$151,564
−HK$4,645/mo
Today · 4.125%
HK$156,209
baseline
▲ 0.50% · 4.625%
HK$165,714
+HK$9,505/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,418/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,527
−HK$8,835/mo
▼ 0.25% · 3.875%
HK$167,913
−HK$4,449/mo
Today · 4.125%
HK$172,362
baseline
▲ 0.50% · 4.625%
HK$181,447
+HK$9,085/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,724/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,989
−HK$11,852/mo
▼ 0.25% · 3.875%
HK$194,868
−HK$5,973/mo
Today · 4.125%
HK$200,841
baseline
▲ 0.50% · 4.625%
HK$213,061
+HK$12,220/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,682/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,249
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$215,888
−HK$5,720/mo
Today · 4.125%
HK$221,608
baseline
▲ 0.50% · 4.625%
HK$233,289
+HK$11,681/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,216/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,907 · Scale 2, in force from 26 Feb 2026)