LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,168
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,440
−HK$3,323/mo
Today · 4.125%
HK$111,763
baseline
▲ 0.50% · 4.625%
HK$118,564
+HK$6,801/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,526/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,999
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,136
−HK$3,184/mo
Today · 4.125%
HK$123,320
baseline
▲ 0.50% · 4.625%
HK$129,820
+HK$6,500/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,640/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,202
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$130,127
−HK$3,989/mo
Today · 4.125%
HK$134,116
baseline
▲ 0.50% · 4.625%
HK$142,276
+HK$8,160/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,232/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,398
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$144,164
−HK$3,820/mo
Today · 4.125%
HK$147,984
baseline
▲ 0.50% · 4.625%
HK$155,784
+HK$7,800/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,968/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,236
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$151,815
−HK$4,653/mo
Today · 4.125%
HK$156,468
baseline
▲ 0.50% · 4.625%
HK$165,989
+HK$9,521/mo
Deposit HK$13.84M · loan HK$32.28M · min. income ≈ HK$312,936/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,798
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$168,191
−HK$4,457/mo
Today · 4.125%
HK$172,648
baseline
▲ 0.50% · 4.625%
HK$181,748
+HK$9,100/mo
Deposit HK$13.84M · loan HK$32.28M · min. income ≈ HK$345,296/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,303
−HK$11,871/mo
▼ 0.25% · 3.875%
HK$195,191
−HK$5,983/mo
Today · 4.125%
HK$201,174
baseline
▲ 0.50% · 4.625%
HK$213,415
+HK$12,241/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$402,348/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,597
−HK$11,378/mo
▼ 0.25% · 3.875%
HK$216,246
−HK$5,729/mo
Today · 4.125%
HK$221,975
baseline
▲ 0.50% · 4.625%
HK$233,676
+HK$11,701/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$443,950/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,153 · Scale 2, in force from 26 Feb 2026)