LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,150
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,421
−HK$3,323/mo
Today · 4.125%
HK$111,744
baseline
▲ 0.50% · 4.625%
HK$118,543
+HK$6,799/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,488/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,978
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,115
−HK$3,183/mo
Today · 4.125%
HK$123,298
baseline
▲ 0.50% · 4.625%
HK$129,797
+HK$6,499/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,596/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,180
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,105
−HK$3,987/mo
Today · 4.125%
HK$134,092
baseline
▲ 0.50% · 4.625%
HK$142,252
+HK$8,160/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,184/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,374
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,138
−HK$3,820/mo
Today · 4.125%
HK$147,958
baseline
▲ 0.50% · 4.625%
HK$155,757
+HK$7,799/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,916/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,210
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$151,789
−HK$4,652/mo
Today · 4.125%
HK$156,441
baseline
▲ 0.50% · 4.625%
HK$165,960
+HK$9,519/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,882/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,769
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,161
−HK$4,456/mo
Today · 4.125%
HK$172,617
baseline
▲ 0.50% · 4.625%
HK$181,716
+HK$9,099/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,234/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,270
−HK$11,868/mo
▼ 0.25% · 3.875%
HK$195,157
−HK$5,981/mo
Today · 4.125%
HK$201,138
baseline
▲ 0.50% · 4.625%
HK$213,377
+HK$12,239/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,276/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,561
−HK$11,375/mo
▼ 0.25% · 3.875%
HK$216,208
−HK$5,728/mo
Today · 4.125%
HK$221,936
baseline
▲ 0.50% · 4.625%
HK$233,635
+HK$11,699/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,872/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,809 · Scale 2, in force from 26 Feb 2026)