LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,130
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,400
−HK$3,322/mo
Today · 4.125%
HK$111,722
baseline
▲ 0.50% · 4.625%
HK$118,520
+HK$6,798/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$223,444/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,956
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,093
−HK$3,182/mo
Today · 4.125%
HK$123,275
baseline
▲ 0.50% · 4.625%
HK$129,773
+HK$6,498/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$246,550/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,156
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,080
−HK$3,987/mo
Today · 4.125%
HK$134,067
baseline
▲ 0.50% · 4.625%
HK$142,224
+HK$8,157/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$268,134/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,347
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$144,111
−HK$3,818/mo
Today · 4.125%
HK$147,929
baseline
▲ 0.50% · 4.625%
HK$155,727
+HK$7,798/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$295,858/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,182
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$151,760
−HK$4,651/mo
Today · 4.125%
HK$156,411
baseline
▲ 0.50% · 4.625%
HK$165,929
+HK$9,518/mo
Deposit HK$13.83M · loan HK$32.27M · min. income ≈ HK$312,822/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,738
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$168,130
−HK$4,454/mo
Today · 4.125%
HK$172,584
baseline
▲ 0.50% · 4.625%
HK$181,682
+HK$9,098/mo
Deposit HK$13.83M · loan HK$32.27M · min. income ≈ HK$345,168/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,234
−HK$11,866/mo
▼ 0.25% · 3.875%
HK$195,120
−HK$5,980/mo
Today · 4.125%
HK$201,100
baseline
▲ 0.50% · 4.625%
HK$213,337
+HK$12,237/mo
Deposit HK$4.61M · loan HK$41.49M · min. income ≈ HK$402,200/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,520
−HK$11,374/mo
▼ 0.25% · 3.875%
HK$216,167
−HK$5,727/mo
Today · 4.125%
HK$221,894
baseline
▲ 0.50% · 4.625%
HK$233,591
+HK$11,697/mo
Deposit HK$4.61M · loan HK$41.49M · min. income ≈ HK$443,788/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,436 · Scale 2, in force from 26 Feb 2026)