LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,178
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,450
−HK$3,324/mo
Today · 4.125%
HK$111,774
baseline
▲ 0.50% · 4.625%
HK$118,575
+HK$6,801/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,548/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,010
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,148
−HK$3,183/mo
Today · 4.125%
HK$123,331
baseline
▲ 0.50% · 4.625%
HK$129,832
+HK$6,501/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,662/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,214
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$130,140
−HK$3,989/mo
Today · 4.125%
HK$134,129
baseline
▲ 0.50% · 4.625%
HK$142,290
+HK$8,161/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$268,258/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,412
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$144,177
−HK$3,821/mo
Today · 4.125%
HK$147,998
baseline
▲ 0.50% · 4.625%
HK$155,799
+HK$7,801/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$295,996/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,249
−HK$9,234/mo
▼ 0.25% · 3.875%
HK$151,830
−HK$4,653/mo
Today · 4.125%
HK$156,483
baseline
▲ 0.50% · 4.625%
HK$166,005
+HK$9,522/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$312,966/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,814
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$168,207
−HK$4,457/mo
Today · 4.125%
HK$172,664
baseline
▲ 0.50% · 4.625%
HK$181,765
+HK$9,101/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$345,328/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,321
−HK$11,872/mo
▼ 0.25% · 3.875%
HK$195,210
−HK$5,983/mo
Today · 4.125%
HK$201,193
baseline
▲ 0.50% · 4.625%
HK$213,435
+HK$12,242/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$402,386/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,617
−HK$11,379/mo
▼ 0.25% · 3.875%
HK$216,266
−HK$5,730/mo
Today · 4.125%
HK$221,996
baseline
▲ 0.50% · 4.625%
HK$233,698
+HK$11,702/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$443,992/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,338 · Scale 2, in force from 26 Feb 2026)