LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,011
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,278
−HK$3,318/mo
Today · 4.125%
HK$111,596
baseline
▲ 0.50% · 4.625%
HK$118,387
+HK$6,791/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$223,192/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,957,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,824
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,957
−HK$3,178/mo
Today · 4.125%
HK$123,135
baseline
▲ 0.50% · 4.625%
HK$129,626
+HK$6,491/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$246,270/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,957,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,013
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,933
−HK$3,982/mo
Today · 4.125%
HK$133,915
baseline
▲ 0.50% · 4.625%
HK$142,064
+HK$8,149/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,830/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,189
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,948
−HK$3,814/mo
Today · 4.125%
HK$147,762
baseline
▲ 0.50% · 4.625%
HK$155,551
+HK$7,789/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,524/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,016
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,589
−HK$4,646/mo
Today · 4.125%
HK$156,235
baseline
▲ 0.50% · 4.625%
HK$165,741
+HK$9,506/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$312,470/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,553
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$167,940
−HK$4,450/mo
Today · 4.125%
HK$172,390
baseline
▲ 0.50% · 4.625%
HK$181,476
+HK$9,086/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$344,780/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,020
−HK$11,853/mo
▼ 0.25% · 3.875%
HK$194,900
−HK$5,973/mo
Today · 4.125%
HK$200,873
baseline
▲ 0.50% · 4.625%
HK$213,096
+HK$12,223/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$401,746/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,283
−HK$11,361/mo
▼ 0.25% · 3.875%
HK$215,922
−HK$5,722/mo
Today · 4.125%
HK$221,644
baseline
▲ 0.50% · 4.625%
HK$233,327
+HK$11,683/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$443,288/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,224 · Scale 2, in force from 26 Feb 2026)