LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,284
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,559
−HK$3,328/mo
Today · 4.125%
HK$111,887
baseline
▲ 0.50% · 4.625%
HK$118,695
+HK$6,808/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$223,774/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,128
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,269
−HK$3,187/mo
Today · 4.125%
HK$123,456
baseline
▲ 0.50% · 4.625%
HK$129,963
+HK$6,507/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$246,912/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,341
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$130,271
−HK$3,993/mo
Today · 4.125%
HK$134,264
baseline
▲ 0.50% · 4.625%
HK$142,434
+HK$8,170/mo
Deposit HK$18.47M · loan HK$27.70M · min. income ≈ HK$268,528/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,962,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,553
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$144,323
−HK$3,824/mo
Today · 4.125%
HK$148,147
baseline
▲ 0.50% · 4.625%
HK$155,956
+HK$7,809/mo
Deposit HK$18.47M · loan HK$27.70M · min. income ≈ HK$296,294/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,962,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,398
−HK$9,243/mo
▼ 0.25% · 3.875%
HK$151,983
−HK$4,658/mo
Today · 4.125%
HK$156,641
baseline
▲ 0.50% · 4.625%
HK$166,172
+HK$9,531/mo
Deposit HK$13.85M · loan HK$32.32M · min. income ≈ HK$313,282/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,962,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,979
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$168,377
−HK$4,461/mo
Today · 4.125%
HK$172,838
baseline
▲ 0.50% · 4.625%
HK$181,949
+HK$9,111/mo
Deposit HK$13.85M · loan HK$32.32M · min. income ≈ HK$345,676/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,962,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,512
−HK$11,884/mo
▼ 0.25% · 3.875%
HK$195,407
−HK$5,989/mo
Today · 4.125%
HK$201,396
baseline
▲ 0.50% · 4.625%
HK$213,650
+HK$12,254/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$402,792/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,830
−HK$11,390/mo
▼ 0.25% · 3.875%
HK$216,484
−HK$5,736/mo
Today · 4.125%
HK$222,220
baseline
▲ 0.50% · 4.625%
HK$233,934
+HK$11,714/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$444,440/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,316 · Scale 2, in force from 26 Feb 2026)