LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,143
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,414
−HK$3,322/mo
Today · 4.125%
HK$111,736
baseline
▲ 0.50% · 4.625%
HK$118,535
+HK$6,799/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,472/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,971
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,108
−HK$3,182/mo
Today · 4.125%
HK$123,290
baseline
▲ 0.50% · 4.625%
HK$129,789
+HK$6,499/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,580/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,172
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,096
−HK$3,988/mo
Today · 4.125%
HK$134,084
baseline
▲ 0.50% · 4.625%
HK$142,242
+HK$8,158/mo
Deposit HK$18.44M · loan HK$27.67M · min. income ≈ HK$268,168/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,365
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,129
−HK$3,819/mo
Today · 4.125%
HK$147,948
baseline
▲ 0.50% · 4.625%
HK$155,747
+HK$7,799/mo
Deposit HK$18.44M · loan HK$27.67M · min. income ≈ HK$295,896/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,200
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$151,779
−HK$4,652/mo
Today · 4.125%
HK$156,431
baseline
▲ 0.50% · 4.625%
HK$165,950
+HK$9,519/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,862/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,759
−HK$8,847/mo
▼ 0.25% · 3.875%
HK$168,151
−HK$4,455/mo
Today · 4.125%
HK$172,606
baseline
▲ 0.50% · 4.625%
HK$181,705
+HK$9,099/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,212/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,258
−HK$11,868/mo
▼ 0.25% · 3.875%
HK$195,145
−HK$5,981/mo
Today · 4.125%
HK$201,126
baseline
▲ 0.50% · 4.625%
HK$213,364
+HK$12,238/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,252/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,547
−HK$11,375/mo
▼ 0.25% · 3.875%
HK$216,194
−HK$5,728/mo
Today · 4.125%
HK$221,922
baseline
▲ 0.50% · 4.625%
HK$233,620
+HK$11,698/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,844/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,684 · Scale 2, in force from 26 Feb 2026)