LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,108
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,378
−HK$3,322/mo
Today · 4.125%
HK$111,700
baseline
▲ 0.50% · 4.625%
HK$118,496
+HK$6,796/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$223,400/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,932
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,068
−HK$3,181/mo
Today · 4.125%
HK$123,249
baseline
▲ 0.50% · 4.625%
HK$129,746
+HK$6,497/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$246,498/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,130
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$130,053
−HK$3,986/mo
Today · 4.125%
HK$134,039
baseline
▲ 0.50% · 4.625%
HK$142,195
+HK$8,156/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$268,078/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,318
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$144,082
−HK$3,817/mo
Today · 4.125%
HK$147,899
baseline
▲ 0.50% · 4.625%
HK$155,695
+HK$7,796/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$295,798/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,152
−HK$9,227/mo
▼ 0.25% · 3.875%
HK$151,729
−HK$4,650/mo
Today · 4.125%
HK$156,379
baseline
▲ 0.50% · 4.625%
HK$165,895
+HK$9,516/mo
Deposit HK$13.83M · loan HK$32.27M · min. income ≈ HK$312,758/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,705
−HK$8,844/mo
▼ 0.25% · 3.875%
HK$168,095
−HK$4,454/mo
Today · 4.125%
HK$172,549
baseline
▲ 0.50% · 4.625%
HK$181,644
+HK$9,095/mo
Deposit HK$13.83M · loan HK$32.27M · min. income ≈ HK$345,098/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,195
−HK$11,864/mo
▼ 0.25% · 3.875%
HK$195,080
−HK$5,979/mo
Today · 4.125%
HK$201,059
baseline
▲ 0.50% · 4.625%
HK$213,293
+HK$12,234/mo
Deposit HK$4.61M · loan HK$41.49M · min. income ≈ HK$402,118/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,477
−HK$11,372/mo
▼ 0.25% · 3.875%
HK$216,122
−HK$5,727/mo
Today · 4.125%
HK$221,849
baseline
▲ 0.50% · 4.625%
HK$233,543
+HK$11,694/mo
Deposit HK$4.61M · loan HK$41.49M · min. income ≈ HK$443,698/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,036 · Scale 2, in force from 26 Feb 2026)