LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,027
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,293
−HK$3,320/mo
Today · 4.125%
HK$111,613
baseline
▲ 0.50% · 4.625%
HK$118,404
+HK$6,791/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$223,226/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,841
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,975
−HK$3,179/mo
Today · 4.125%
HK$123,154
baseline
▲ 0.50% · 4.625%
HK$129,645
+HK$6,491/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$246,308/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,032
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,952
−HK$3,983/mo
Today · 4.125%
HK$133,935
baseline
▲ 0.50% · 4.625%
HK$142,085
+HK$8,150/mo
Deposit HK$18.42M · loan HK$27.64M · min. income ≈ HK$267,870/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,209
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,970
−HK$3,814/mo
Today · 4.125%
HK$147,784
baseline
▲ 0.50% · 4.625%
HK$155,574
+HK$7,790/mo
Deposit HK$18.42M · loan HK$27.64M · min. income ≈ HK$295,568/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,037
−HK$9,221/mo
▼ 0.25% · 3.875%
HK$151,611
−HK$4,647/mo
Today · 4.125%
HK$156,258
baseline
▲ 0.50% · 4.625%
HK$165,766
+HK$9,508/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$312,516/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,957,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,577
−HK$8,838/mo
▼ 0.25% · 3.875%
HK$167,964
−HK$4,451/mo
Today · 4.125%
HK$172,415
baseline
▲ 0.50% · 4.625%
HK$181,503
+HK$9,088/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$344,830/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,957,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,048
−HK$11,855/mo
▼ 0.25% · 3.875%
HK$194,928
−HK$5,975/mo
Today · 4.125%
HK$200,903
baseline
▲ 0.50% · 4.625%
HK$213,127
+HK$12,224/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$401,806/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,314
−HK$11,362/mo
▼ 0.25% · 3.875%
HK$215,954
−HK$5,722/mo
Today · 4.125%
HK$221,676
baseline
▲ 0.50% · 4.625%
HK$233,361
+HK$11,685/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$443,352/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,512 · Scale 2, in force from 26 Feb 2026)