LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,007
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,273
−HK$3,318/mo
Today · 4.125%
HK$111,591
baseline
▲ 0.50% · 4.625%
HK$118,381
+HK$6,790/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$223,182/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,957,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,819
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,952
−HK$3,178/mo
Today · 4.125%
HK$123,130
baseline
▲ 0.50% · 4.625%
HK$129,620
+HK$6,490/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$246,260/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,957,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,008
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,927
−HK$3,983/mo
Today · 4.125%
HK$133,910
baseline
▲ 0.50% · 4.625%
HK$142,058
+HK$8,148/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,820/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,182
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,942
−HK$3,814/mo
Today · 4.125%
HK$147,756
baseline
▲ 0.50% · 4.625%
HK$155,545
+HK$7,789/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,512/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,009
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,582
−HK$4,646/mo
Today · 4.125%
HK$156,228
baseline
▲ 0.50% · 4.625%
HK$165,734
+HK$9,506/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$312,456/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,546
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$167,932
−HK$4,450/mo
Today · 4.125%
HK$172,382
baseline
▲ 0.50% · 4.625%
HK$181,469
+HK$9,087/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$344,764/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,012
−HK$11,852/mo
▼ 0.25% · 3.875%
HK$194,891
−HK$5,973/mo
Today · 4.125%
HK$200,864
baseline
▲ 0.50% · 4.625%
HK$213,087
+HK$12,223/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$401,728/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,274
−HK$11,360/mo
▼ 0.25% · 3.875%
HK$215,913
−HK$5,721/mo
Today · 4.125%
HK$221,634
baseline
▲ 0.50% · 4.625%
HK$233,317
+HK$11,683/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$443,268/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,139 · Scale 2, in force from 26 Feb 2026)