LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,236
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,509
−HK$3,326/mo
Today · 4.125%
HK$111,835
baseline
▲ 0.50% · 4.625%
HK$118,640
+HK$6,805/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$223,670/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,074
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,214
−HK$3,185/mo
Today · 4.125%
HK$123,399
baseline
▲ 0.50% · 4.625%
HK$129,904
+HK$6,505/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$246,798/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,283
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$130,211
−HK$3,991/mo
Today · 4.125%
HK$134,202
baseline
▲ 0.50% · 4.625%
HK$142,368
+HK$8,166/mo
Deposit HK$18.46M · loan HK$27.69M · min. income ≈ HK$268,404/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,961,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,489
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$144,256
−HK$3,823/mo
Today · 4.125%
HK$148,079
baseline
▲ 0.50% · 4.625%
HK$155,884
+HK$7,805/mo
Deposit HK$18.46M · loan HK$27.69M · min. income ≈ HK$296,158/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,961,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,330
−HK$9,239/mo
▼ 0.25% · 3.875%
HK$151,913
−HK$4,656/mo
Today · 4.125%
HK$156,569
baseline
▲ 0.50% · 4.625%
HK$166,096
+HK$9,527/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$313,138/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,903
−HK$8,856/mo
▼ 0.25% · 3.875%
HK$168,299
−HK$4,460/mo
Today · 4.125%
HK$172,759
baseline
▲ 0.50% · 4.625%
HK$181,865
+HK$9,106/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$345,518/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,425
−HK$11,878/mo
▼ 0.25% · 3.875%
HK$195,317
−HK$5,986/mo
Today · 4.125%
HK$201,303
baseline
▲ 0.50% · 4.625%
HK$213,552
+HK$12,249/mo
Deposit HK$4.62M · loan HK$41.54M · min. income ≈ HK$402,606/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,733
−HK$11,385/mo
▼ 0.25% · 3.875%
HK$216,385
−HK$5,733/mo
Today · 4.125%
HK$222,118
baseline
▲ 0.50% · 4.625%
HK$233,826
+HK$11,708/mo
Deposit HK$4.62M · loan HK$41.54M · min. income ≈ HK$444,236/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,414 · Scale 2, in force from 26 Feb 2026)