LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,331
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,607
−HK$3,329/mo
Today · 4.125%
HK$111,936
baseline
▲ 0.50% · 4.625%
HK$118,747
+HK$6,811/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,872/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,179
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,322
−HK$3,188/mo
Today · 4.125%
HK$123,510
baseline
▲ 0.50% · 4.625%
HK$130,021
+HK$6,511/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,020/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,397
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,329
−HK$3,994/mo
Today · 4.125%
HK$134,323
baseline
▲ 0.50% · 4.625%
HK$142,496
+HK$8,173/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$268,646/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,615
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$144,386
−HK$3,826/mo
Today · 4.125%
HK$148,212
baseline
▲ 0.50% · 4.625%
HK$156,025
+HK$7,813/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$296,424/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,463
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,050
−HK$4,660/mo
Today · 4.125%
HK$156,710
baseline
▲ 0.50% · 4.625%
HK$166,246
+HK$9,536/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$313,420/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,051
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$168,451
−HK$4,463/mo
Today · 4.125%
HK$172,914
baseline
▲ 0.50% · 4.625%
HK$182,029
+HK$9,115/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$345,828/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,595
−HK$11,890/mo
▼ 0.25% · 3.875%
HK$195,493
−HK$5,992/mo
Today · 4.125%
HK$201,485
baseline
▲ 0.50% · 4.625%
HK$213,744
+HK$12,259/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$402,970/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,923
−HK$11,395/mo
▼ 0.25% · 3.875%
HK$216,580
−HK$5,738/mo
Today · 4.125%
HK$222,318
baseline
▲ 0.50% · 4.625%
HK$234,037
+HK$11,719/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$444,636/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,182 · Scale 2, in force from 26 Feb 2026)