LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,256
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,530
−HK$3,326/mo
Today · 4.125%
HK$111,856
baseline
▲ 0.50% · 4.625%
HK$118,662
+HK$6,806/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$223,712/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,096
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,236
−HK$3,186/mo
Today · 4.125%
HK$123,422
baseline
▲ 0.50% · 4.625%
HK$129,928
+HK$6,506/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$246,844/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,307
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,236
−HK$3,992/mo
Today · 4.125%
HK$134,228
baseline
▲ 0.50% · 4.625%
HK$142,395
+HK$8,167/mo
Deposit HK$18.46M · loan HK$27.70M · min. income ≈ HK$268,456/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,961,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,515
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,284
−HK$3,823/mo
Today · 4.125%
HK$148,107
baseline
▲ 0.50% · 4.625%
HK$155,914
+HK$7,807/mo
Deposit HK$18.46M · loan HK$27.70M · min. income ≈ HK$296,214/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,961,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,358
−HK$9,241/mo
▼ 0.25% · 3.875%
HK$151,942
−HK$4,657/mo
Today · 4.125%
HK$156,599
baseline
▲ 0.50% · 4.625%
HK$166,127
+HK$9,528/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$313,198/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,934
−HK$8,857/mo
▼ 0.25% · 3.875%
HK$168,331
−HK$4,460/mo
Today · 4.125%
HK$172,791
baseline
▲ 0.50% · 4.625%
HK$181,899
+HK$9,108/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$345,582/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,460
−HK$11,881/mo
▼ 0.25% · 3.875%
HK$195,354
−HK$5,987/mo
Today · 4.125%
HK$201,341
baseline
▲ 0.50% · 4.625%
HK$213,592
+HK$12,251/mo
Deposit HK$4.62M · loan HK$41.54M · min. income ≈ HK$402,682/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,773
−HK$11,387/mo
▼ 0.25% · 3.875%
HK$216,426
−HK$5,734/mo
Today · 4.125%
HK$222,160
baseline
▲ 0.50% · 4.625%
HK$233,871
+HK$11,711/mo
Deposit HK$4.62M · loan HK$41.54M · min. income ≈ HK$444,320/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,785 · Scale 2, in force from 26 Feb 2026)