LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,162
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,434
−HK$3,323/mo
Today · 4.125%
HK$111,757
baseline
▲ 0.50% · 4.625%
HK$118,557
+HK$6,800/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,514/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,992
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,130
−HK$3,183/mo
Today · 4.125%
HK$123,313
baseline
▲ 0.50% · 4.625%
HK$129,813
+HK$6,500/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,626/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,195
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,120
−HK$3,988/mo
Today · 4.125%
HK$134,108
baseline
▲ 0.50% · 4.625%
HK$142,269
+HK$8,161/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,216/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,391
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,156
−HK$3,819/mo
Today · 4.125%
HK$147,975
baseline
▲ 0.50% · 4.625%
HK$155,775
+HK$7,800/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,950/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,227
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$151,807
−HK$4,653/mo
Today · 4.125%
HK$156,460
baseline
▲ 0.50% · 4.625%
HK$165,980
+HK$9,520/mo
Deposit HK$13.84M · loan HK$32.28M · min. income ≈ HK$312,920/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,789
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$168,182
−HK$4,456/mo
Today · 4.125%
HK$172,638
baseline
▲ 0.50% · 4.625%
HK$181,738
+HK$9,100/mo
Deposit HK$13.84M · loan HK$32.28M · min. income ≈ HK$345,276/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,292
−HK$11,871/mo
▼ 0.25% · 3.875%
HK$195,180
−HK$5,983/mo
Today · 4.125%
HK$201,163
baseline
▲ 0.50% · 4.625%
HK$213,403
+HK$12,240/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$402,326/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,586
−HK$11,377/mo
▼ 0.25% · 3.875%
HK$216,234
−HK$5,729/mo
Today · 4.125%
HK$221,963
baseline
▲ 0.50% · 4.625%
HK$233,663
+HK$11,700/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$443,926/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,045 · Scale 2, in force from 26 Feb 2026)