LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,336
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,612
−HK$3,329/mo
Today · 4.125%
HK$111,941
baseline
▲ 0.50% · 4.625%
HK$118,753
+HK$6,812/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$1,963,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,185
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,328
−HK$3,188/mo
Today · 4.125%
HK$123,516
baseline
▲ 0.50% · 4.625%
HK$130,027
+HK$6,511/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,032/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,403
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,335
−HK$3,994/mo
Today · 4.125%
HK$134,329
baseline
▲ 0.50% · 4.625%
HK$142,503
+HK$8,174/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$1,963,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,622
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$144,393
−HK$3,826/mo
Today · 4.125%
HK$148,219
baseline
▲ 0.50% · 4.625%
HK$156,032
+HK$7,813/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$1,963,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,470
−HK$9,248/mo
▼ 0.25% · 3.875%
HK$152,057
−HK$4,661/mo
Today · 4.125%
HK$156,718
baseline
▲ 0.50% · 4.625%
HK$166,254
+HK$9,536/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$313,436/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,059
−HK$8,864/mo
▼ 0.25% · 3.875%
HK$168,459
−HK$4,464/mo
Today · 4.125%
HK$172,923
baseline
▲ 0.50% · 4.625%
HK$182,038
+HK$9,115/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$345,846/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,604
−HK$11,890/mo
▼ 0.25% · 3.875%
HK$195,502
−HK$5,992/mo
Today · 4.125%
HK$201,494
baseline
▲ 0.50% · 4.625%
HK$213,755
+HK$12,261/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$402,988/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,933
−HK$11,396/mo
▼ 0.25% · 3.875%
HK$216,590
−HK$5,739/mo
Today · 4.125%
HK$222,329
baseline
▲ 0.50% · 4.625%
HK$234,048
+HK$11,719/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$444,658/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,275 · Scale 2, in force from 26 Feb 2026)