LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,995
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,261
−HK$3,318/mo
Today · 4.125%
HK$111,579
baseline
▲ 0.50% · 4.625%
HK$118,369
+HK$6,790/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,158/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,806
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,939
−HK$3,178/mo
Today · 4.125%
HK$123,117
baseline
▲ 0.50% · 4.625%
HK$129,606
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,234/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,994
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,913
−HK$3,982/mo
Today · 4.125%
HK$133,895
baseline
▲ 0.50% · 4.625%
HK$142,042
+HK$8,147/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,790/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,956,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,167
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,926
−HK$3,814/mo
Today · 4.125%
HK$147,740
baseline
▲ 0.50% · 4.625%
HK$155,528
+HK$7,788/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,480/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,956,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,993
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$151,566
−HK$4,645/mo
Today · 4.125%
HK$156,211
baseline
▲ 0.50% · 4.625%
HK$165,716
+HK$9,505/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,422/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,528
−HK$8,835/mo
▼ 0.25% · 3.875%
HK$167,914
−HK$4,449/mo
Today · 4.125%
HK$172,363
baseline
▲ 0.50% · 4.625%
HK$181,449
+HK$9,086/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,726/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,991
−HK$11,852/mo
▼ 0.25% · 3.875%
HK$194,870
−HK$5,973/mo
Today · 4.125%
HK$200,843
baseline
▲ 0.50% · 4.625%
HK$213,063
+HK$12,220/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,686/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,251
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$215,890
−HK$5,720/mo
Today · 4.125%
HK$221,610
baseline
▲ 0.50% · 4.625%
HK$233,291
+HK$11,681/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,220/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,927 · Scale 2, in force from 26 Feb 2026)