LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,240
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,513
−HK$3,326/mo
Today · 4.125%
HK$111,839
baseline
▲ 0.50% · 4.625%
HK$118,644
+HK$6,805/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$223,678/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,078
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,218
−HK$3,185/mo
Today · 4.125%
HK$123,403
baseline
▲ 0.50% · 4.625%
HK$129,908
+HK$6,505/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$246,806/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,287
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,216
−HK$3,991/mo
Today · 4.125%
HK$134,207
baseline
▲ 0.50% · 4.625%
HK$142,373
+HK$8,166/mo
Deposit HK$18.46M · loan HK$27.69M · min. income ≈ HK$268,414/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,961,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,494
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$144,262
−HK$3,822/mo
Today · 4.125%
HK$148,084
baseline
▲ 0.50% · 4.625%
HK$155,890
+HK$7,806/mo
Deposit HK$18.46M · loan HK$27.69M · min. income ≈ HK$296,168/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,961,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,335
−HK$9,240/mo
▼ 0.25% · 3.875%
HK$151,918
−HK$4,657/mo
Today · 4.125%
HK$156,575
baseline
▲ 0.50% · 4.625%
HK$166,102
+HK$9,527/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$313,150/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,909
−HK$8,856/mo
▼ 0.25% · 3.875%
HK$168,305
−HK$4,460/mo
Today · 4.125%
HK$172,765
baseline
▲ 0.50% · 4.625%
HK$181,871
+HK$9,106/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$345,530/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,431
−HK$11,879/mo
▼ 0.25% · 3.875%
HK$195,324
−HK$5,986/mo
Today · 4.125%
HK$201,310
baseline
▲ 0.50% · 4.625%
HK$213,559
+HK$12,249/mo
Deposit HK$4.62M · loan HK$41.54M · min. income ≈ HK$402,620/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,740
−HK$11,386/mo
▼ 0.25% · 3.875%
HK$216,392
−HK$5,734/mo
Today · 4.125%
HK$222,126
baseline
▲ 0.50% · 4.625%
HK$233,835
+HK$11,709/mo
Deposit HK$4.62M · loan HK$41.54M · min. income ≈ HK$444,252/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,482 · Scale 2, in force from 26 Feb 2026)