LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,155
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,426
−HK$3,323/mo
Today · 4.125%
HK$111,749
baseline
▲ 0.50% · 4.625%
HK$118,549
+HK$6,800/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$1,959,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,984
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,121
−HK$3,183/mo
Today · 4.125%
HK$123,304
baseline
▲ 0.50% · 4.625%
HK$129,804
+HK$6,500/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$1,959,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,186
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,111
−HK$3,988/mo
Today · 4.125%
HK$134,099
baseline
▲ 0.50% · 4.625%
HK$142,259
+HK$8,160/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,198/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,381
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,146
−HK$3,819/mo
Today · 4.125%
HK$147,965
baseline
▲ 0.50% · 4.625%
HK$155,764
+HK$7,799/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,930/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,217
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$151,796
−HK$4,653/mo
Today · 4.125%
HK$156,449
baseline
▲ 0.50% · 4.625%
HK$165,968
+HK$9,519/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,898/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,777
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$168,170
−HK$4,456/mo
Today · 4.125%
HK$172,626
baseline
▲ 0.50% · 4.625%
HK$181,725
+HK$9,099/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,252/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,279
−HK$11,869/mo
▼ 0.25% · 3.875%
HK$195,167
−HK$5,981/mo
Today · 4.125%
HK$201,148
baseline
▲ 0.50% · 4.625%
HK$213,388
+HK$12,240/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,296/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,571
−HK$11,376/mo
▼ 0.25% · 3.875%
HK$216,218
−HK$5,729/mo
Today · 4.125%
HK$221,947
baseline
▲ 0.50% · 4.625%
HK$233,647
+HK$11,700/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,894/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,905 · Scale 2, in force from 26 Feb 2026)