LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,201
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,474
−HK$3,324/mo
Today · 4.125%
HK$111,798
baseline
▲ 0.50% · 4.625%
HK$118,601
+HK$6,803/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$223,596/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,960,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,035
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,174
−HK$3,184/mo
Today · 4.125%
HK$123,358
baseline
▲ 0.50% · 4.625%
HK$129,861
+HK$6,503/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$246,716/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,960,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,242
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,168
−HK$3,990/mo
Today · 4.125%
HK$134,158
baseline
▲ 0.50% · 4.625%
HK$142,321
+HK$8,163/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$268,316/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,960,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,442
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,209
−HK$3,821/mo
Today · 4.125%
HK$148,030
baseline
▲ 0.50% · 4.625%
HK$155,833
+HK$7,803/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$296,060/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,960,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,282
−HK$9,236/mo
▼ 0.25% · 3.875%
HK$151,863
−HK$4,655/mo
Today · 4.125%
HK$156,518
baseline
▲ 0.50% · 4.625%
HK$166,041
+HK$9,523/mo
Deposit HK$13.84M · loan HK$32.30M · min. income ≈ HK$313,036/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,850
−HK$8,852/mo
▼ 0.25% · 3.875%
HK$168,244
−HK$4,458/mo
Today · 4.125%
HK$172,702
baseline
▲ 0.50% · 4.625%
HK$181,805
+HK$9,103/mo
Deposit HK$13.84M · loan HK$32.30M · min. income ≈ HK$345,404/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,362
−HK$11,875/mo
▼ 0.25% · 3.875%
HK$195,253
−HK$5,984/mo
Today · 4.125%
HK$201,237
baseline
▲ 0.50% · 4.625%
HK$213,482
+HK$12,245/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$402,474/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,664
−HK$11,381/mo
▼ 0.25% · 3.875%
HK$216,314
−HK$5,731/mo
Today · 4.125%
HK$222,045
baseline
▲ 0.50% · 4.625%
HK$233,749
+HK$11,704/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$444,090/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,769 · Scale 2, in force from 26 Feb 2026)