LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,154
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,425
−HK$3,324/mo
Today · 4.125%
HK$111,749
baseline
▲ 0.50% · 4.625%
HK$118,548
+HK$6,799/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,498/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,983
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,121
−HK$3,183/mo
Today · 4.125%
HK$123,304
baseline
▲ 0.50% · 4.625%
HK$129,803
+HK$6,499/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,608/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,185
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,110
−HK$3,988/mo
Today · 4.125%
HK$134,098
baseline
▲ 0.50% · 4.625%
HK$142,258
+HK$8,160/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,196/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,380
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,145
−HK$3,819/mo
Today · 4.125%
HK$147,964
baseline
▲ 0.50% · 4.625%
HK$155,764
+HK$7,800/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,928/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,216
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$151,796
−HK$4,652/mo
Today · 4.125%
HK$156,448
baseline
▲ 0.50% · 4.625%
HK$165,967
+HK$9,519/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,896/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,777
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,169
−HK$4,456/mo
Today · 4.125%
HK$172,625
baseline
▲ 0.50% · 4.625%
HK$181,724
+HK$9,099/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,250/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,278
−HK$11,869/mo
▼ 0.25% · 3.875%
HK$195,166
−HK$5,981/mo
Today · 4.125%
HK$201,147
baseline
▲ 0.50% · 4.625%
HK$213,387
+HK$12,240/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,294/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,570
−HK$11,376/mo
▼ 0.25% · 3.875%
HK$216,217
−HK$5,729/mo
Today · 4.125%
HK$221,946
baseline
▲ 0.50% · 4.625%
HK$233,645
+HK$11,699/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,892/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,896 · Scale 2, in force from 26 Feb 2026)