LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,134
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,405
−HK$3,322/mo
Today · 4.125%
HK$111,727
baseline
▲ 0.50% · 4.625%
HK$118,525
+HK$6,798/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$223,454/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,961
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,098
−HK$3,182/mo
Today · 4.125%
HK$123,280
baseline
▲ 0.50% · 4.625%
HK$129,778
+HK$6,498/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$246,560/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,161
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,085
−HK$3,988/mo
Today · 4.125%
HK$134,073
baseline
▲ 0.50% · 4.625%
HK$142,231
+HK$8,158/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$268,146/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,353
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,117
−HK$3,819/mo
Today · 4.125%
HK$147,936
baseline
▲ 0.50% · 4.625%
HK$155,734
+HK$7,798/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$295,872/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,188
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$151,766
−HK$4,652/mo
Today · 4.125%
HK$156,418
baseline
▲ 0.50% · 4.625%
HK$165,936
+HK$9,518/mo
Deposit HK$13.83M · loan HK$32.27M · min. income ≈ HK$312,836/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,745
−HK$8,847/mo
▼ 0.25% · 3.875%
HK$168,137
−HK$4,455/mo
Today · 4.125%
HK$172,592
baseline
▲ 0.50% · 4.625%
HK$181,689
+HK$9,097/mo
Deposit HK$13.83M · loan HK$32.27M · min. income ≈ HK$345,184/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,242
−HK$11,867/mo
▼ 0.25% · 3.875%
HK$195,128
−HK$5,981/mo
Today · 4.125%
HK$201,109
baseline
▲ 0.50% · 4.625%
HK$213,346
+HK$12,237/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,218/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,530
−HK$11,374/mo
▼ 0.25% · 3.875%
HK$216,176
−HK$5,728/mo
Today · 4.125%
HK$221,904
baseline
▲ 0.50% · 4.625%
HK$233,601
+HK$11,697/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,808/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,520 · Scale 2, in force from 26 Feb 2026)