LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,006
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,272
−HK$3,319/mo
Today · 4.125%
HK$111,591
baseline
▲ 0.50% · 4.625%
HK$118,381
+HK$6,790/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,182/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,957,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,818
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,951
−HK$3,178/mo
Today · 4.125%
HK$123,129
baseline
▲ 0.50% · 4.625%
HK$129,620
+HK$6,491/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,258/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,957,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,007
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,927
−HK$3,982/mo
Today · 4.125%
HK$133,909
baseline
▲ 0.50% · 4.625%
HK$142,057
+HK$8,148/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,818/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,181
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,941
−HK$3,814/mo
Today · 4.125%
HK$147,755
baseline
▲ 0.50% · 4.625%
HK$155,543
+HK$7,788/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,510/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,008
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,581
−HK$4,646/mo
Today · 4.125%
HK$156,227
baseline
▲ 0.50% · 4.625%
HK$165,733
+HK$9,506/mo
Deposit HK$13.81M · loan HK$32.24M · min. income ≈ HK$312,454/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,545
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$167,931
−HK$4,450/mo
Today · 4.125%
HK$172,381
baseline
▲ 0.50% · 4.625%
HK$181,467
+HK$9,086/mo
Deposit HK$13.81M · loan HK$32.24M · min. income ≈ HK$344,762/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,010
−HK$11,853/mo
▼ 0.25% · 3.875%
HK$194,890
−HK$5,973/mo
Today · 4.125%
HK$200,863
baseline
▲ 0.50% · 4.625%
HK$213,085
+HK$12,222/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$401,726/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,272
−HK$11,361/mo
▼ 0.25% · 3.875%
HK$215,912
−HK$5,721/mo
Today · 4.125%
HK$221,633
baseline
▲ 0.50% · 4.625%
HK$233,315
+HK$11,682/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$443,266/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,126 · Scale 2, in force from 26 Feb 2026)