LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,145
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,416
−HK$3,323/mo
Today · 4.125%
HK$111,739
baseline
▲ 0.50% · 4.625%
HK$118,538
+HK$6,799/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,478/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,973
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,110
−HK$3,183/mo
Today · 4.125%
HK$123,293
baseline
▲ 0.50% · 4.625%
HK$129,792
+HK$6,499/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,586/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,174
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,099
−HK$3,987/mo
Today · 4.125%
HK$134,086
baseline
▲ 0.50% · 4.625%
HK$142,245
+HK$8,159/mo
Deposit HK$18.44M · loan HK$27.67M · min. income ≈ HK$268,172/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,368
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,132
−HK$3,819/mo
Today · 4.125%
HK$147,951
baseline
▲ 0.50% · 4.625%
HK$155,750
+HK$7,799/mo
Deposit HK$18.44M · loan HK$27.67M · min. income ≈ HK$295,902/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,203
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$151,782
−HK$4,652/mo
Today · 4.125%
HK$156,434
baseline
▲ 0.50% · 4.625%
HK$165,953
+HK$9,519/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,868/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,762
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,154
−HK$4,456/mo
Today · 4.125%
HK$172,610
baseline
▲ 0.50% · 4.625%
HK$181,708
+HK$9,098/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,220/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,261
−HK$11,869/mo
▼ 0.25% · 3.875%
HK$195,148
−HK$5,982/mo
Today · 4.125%
HK$201,130
baseline
▲ 0.50% · 4.625%
HK$213,368
+HK$12,238/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,260/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,551
−HK$11,376/mo
▼ 0.25% · 3.875%
HK$216,198
−HK$5,729/mo
Today · 4.125%
HK$221,927
baseline
▲ 0.50% · 4.625%
HK$233,625
+HK$11,698/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,854/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,723 · Scale 2, in force from 26 Feb 2026)