LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,158
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,429
−HK$3,323/mo
Today · 4.125%
HK$111,752
baseline
▲ 0.50% · 4.625%
HK$118,552
+HK$6,800/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,504/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,987
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,124
−HK$3,183/mo
Today · 4.125%
HK$123,307
baseline
▲ 0.50% · 4.625%
HK$129,807
+HK$6,500/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,614/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,189
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,114
−HK$3,988/mo
Today · 4.125%
HK$134,102
baseline
▲ 0.50% · 4.625%
HK$142,262
+HK$8,160/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,204/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,384
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,149
−HK$3,820/mo
Today · 4.125%
HK$147,969
baseline
▲ 0.50% · 4.625%
HK$155,768
+HK$7,799/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,938/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,221
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$151,800
−HK$4,653/mo
Today · 4.125%
HK$156,453
baseline
▲ 0.50% · 4.625%
HK$165,973
+HK$9,520/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,906/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,782
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,174
−HK$4,456/mo
Today · 4.125%
HK$172,630
baseline
▲ 0.50% · 4.625%
HK$181,730
+HK$9,100/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,260/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,284
−HK$11,870/mo
▼ 0.25% · 3.875%
HK$195,172
−HK$5,982/mo
Today · 4.125%
HK$201,154
baseline
▲ 0.50% · 4.625%
HK$213,393
+HK$12,239/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,308/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,576
−HK$11,377/mo
▼ 0.25% · 3.875%
HK$216,224
−HK$5,729/mo
Today · 4.125%
HK$221,953
baseline
▲ 0.50% · 4.625%
HK$233,653
+HK$11,700/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,906/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,956 · Scale 2, in force from 26 Feb 2026)