LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,151
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,422
−HK$3,323/mo
Today · 4.125%
HK$111,745
baseline
▲ 0.50% · 4.625%
HK$118,544
+HK$6,799/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,490/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,979
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,117
−HK$3,182/mo
Today · 4.125%
HK$123,299
baseline
▲ 0.50% · 4.625%
HK$129,799
+HK$6,500/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,598/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,181
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,106
−HK$3,988/mo
Today · 4.125%
HK$134,094
baseline
▲ 0.50% · 4.625%
HK$142,253
+HK$8,159/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,188/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,375
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,140
−HK$3,819/mo
Today · 4.125%
HK$147,959
baseline
▲ 0.50% · 4.625%
HK$155,759
+HK$7,800/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,918/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,211
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$151,791
−HK$4,652/mo
Today · 4.125%
HK$156,443
baseline
▲ 0.50% · 4.625%
HK$165,962
+HK$9,519/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,886/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,771
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,163
−HK$4,456/mo
Today · 4.125%
HK$172,619
baseline
▲ 0.50% · 4.625%
HK$181,718
+HK$9,099/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,238/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,272
−HK$11,869/mo
▼ 0.25% · 3.875%
HK$195,159
−HK$5,982/mo
Today · 4.125%
HK$201,141
baseline
▲ 0.50% · 4.625%
HK$213,380
+HK$12,239/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,282/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,563
−HK$11,376/mo
▼ 0.25% · 3.875%
HK$216,210
−HK$5,729/mo
Today · 4.125%
HK$221,939
baseline
▲ 0.50% · 4.625%
HK$233,638
+HK$11,699/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,878/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,832 · Scale 2, in force from 26 Feb 2026)