LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,280
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,555
−HK$3,327/mo
Today · 4.125%
HK$111,882
baseline
▲ 0.50% · 4.625%
HK$118,690
+HK$6,808/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$223,764/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,123
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,265
−HK$3,186/mo
Today · 4.125%
HK$123,451
baseline
▲ 0.50% · 4.625%
HK$129,958
+HK$6,507/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$246,902/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,336
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$130,266
−HK$3,993/mo
Today · 4.125%
HK$134,259
baseline
▲ 0.50% · 4.625%
HK$142,428
+HK$8,169/mo
Deposit HK$18.47M · loan HK$27.70M · min. income ≈ HK$268,518/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,962,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,548
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$144,317
−HK$3,824/mo
Today · 4.125%
HK$148,141
baseline
▲ 0.50% · 4.625%
HK$155,950
+HK$7,809/mo
Deposit HK$18.47M · loan HK$27.70M · min. income ≈ HK$296,282/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,962,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,393
−HK$9,242/mo
▼ 0.25% · 3.875%
HK$151,977
−HK$4,658/mo
Today · 4.125%
HK$156,635
baseline
▲ 0.50% · 4.625%
HK$166,166
+HK$9,531/mo
Deposit HK$13.85M · loan HK$32.32M · min. income ≈ HK$313,270/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,962,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,973
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$168,370
−HK$4,462/mo
Today · 4.125%
HK$172,832
baseline
▲ 0.50% · 4.625%
HK$181,942
+HK$9,110/mo
Deposit HK$13.85M · loan HK$32.32M · min. income ≈ HK$345,664/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,962,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,505
−HK$11,883/mo
▼ 0.25% · 3.875%
HK$195,399
−HK$5,989/mo
Today · 4.125%
HK$201,388
baseline
▲ 0.50% · 4.625%
HK$213,642
+HK$12,254/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$402,776/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,822
−HK$11,390/mo
▼ 0.25% · 3.875%
HK$216,476
−HK$5,736/mo
Today · 4.125%
HK$222,212
baseline
▲ 0.50% · 4.625%
HK$233,925
+HK$11,713/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$444,424/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,243 · Scale 2, in force from 26 Feb 2026)