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$1,959,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,978
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,116
−HK$3,182/mo
Today · 4.125%
HK$123,298
baseline
▲ 0.50% · 4.625%
HK$129,798
+HK$6,500/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$1,959,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,180
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,105
−HK$3,988/mo
Today · 4.125%
HK$134,093
baseline
▲ 0.50% · 4.625%
HK$142,252
+HK$8,159/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,186/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,374
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,139
−HK$3,819/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$1,959,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,210
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$151,789
−HK$4,653/mo
Today · 4.125%
HK$156,442
baseline
▲ 0.50% · 4.625%
HK$165,961
+HK$9,519/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,884/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,770
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,162
−HK$4,456/mo
Today · 4.125%
HK$172,618
baseline
▲ 0.50% · 4.625%
HK$181,717
+HK$9,099/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,236/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,270
−HK$11,869/mo
▼ 0.25% · 3.875%
HK$195,158
−HK$5,981/mo
Today · 4.125%
HK$201,139
baseline
▲ 0.50% · 4.625%
HK$213,378
+HK$12,239/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,278/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,561
−HK$11,376/mo
▼ 0.25% · 3.875%
HK$216,208
−HK$5,729/mo
Today · 4.125%
HK$221,937
baseline
▲ 0.50% · 4.625%
HK$233,636
+HK$11,699/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,874/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,816 · Scale 2, in force from 26 Feb 2026)