LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,335
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,612
−HK$3,329/mo
Today · 4.125%
HK$111,941
baseline
▲ 0.50% · 4.625%
HK$118,752
+HK$6,811/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,882/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,184
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,327
−HK$3,188/mo
Today · 4.125%
HK$123,515
baseline
▲ 0.50% · 4.625%
HK$130,026
+HK$6,511/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,030/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,402
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,334
−HK$3,995/mo
Today · 4.125%
HK$134,329
baseline
▲ 0.50% · 4.625%
HK$142,502
+HK$8,173/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$268,658/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,621
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,393
−HK$3,826/mo
Today · 4.125%
HK$148,219
baseline
▲ 0.50% · 4.625%
HK$156,031
+HK$7,812/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$296,438/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,469
−HK$9,248/mo
▼ 0.25% · 3.875%
HK$152,056
−HK$4,661/mo
Today · 4.125%
HK$156,717
baseline
▲ 0.50% · 4.625%
HK$166,253
+HK$9,536/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$313,434/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,058
−HK$8,864/mo
▼ 0.25% · 3.875%
HK$168,458
−HK$4,464/mo
Today · 4.125%
HK$172,922
baseline
▲ 0.50% · 4.625%
HK$182,037
+HK$9,115/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$345,844/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,603
−HK$11,890/mo
▼ 0.25% · 3.875%
HK$195,501
−HK$5,992/mo
Today · 4.125%
HK$201,493
baseline
▲ 0.50% · 4.625%
HK$213,754
+HK$12,261/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$402,986/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,932
−HK$11,396/mo
▼ 0.25% · 3.875%
HK$216,589
−HK$5,739/mo
Today · 4.125%
HK$222,328
baseline
▲ 0.50% · 4.625%
HK$234,047
+HK$11,719/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$444,656/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,265 · Scale 2, in force from 26 Feb 2026)