LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,356
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,633
−HK$3,330/mo
Today · 4.125%
HK$111,963
baseline
▲ 0.50% · 4.625%
HK$118,776
+HK$6,813/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,926/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,963,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,208
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,351
−HK$3,189/mo
Today · 4.125%
HK$123,540
baseline
▲ 0.50% · 4.625%
HK$130,052
+HK$6,512/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,080/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,963,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,427
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,360
−HK$3,995/mo
Today · 4.125%
HK$134,355
baseline
▲ 0.50% · 4.625%
HK$142,531
+HK$8,176/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$268,710/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,963,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,649
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,421
−HK$3,827/mo
Today · 4.125%
HK$148,248
baseline
▲ 0.50% · 4.625%
HK$156,062
+HK$7,814/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$296,496/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,963,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,499
−HK$9,249/mo
▼ 0.25% · 3.875%
HK$152,087
−HK$4,661/mo
Today · 4.125%
HK$156,748
baseline
▲ 0.50% · 4.625%
HK$166,286
+HK$9,538/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$313,496/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,091
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$168,491
−HK$4,465/mo
Today · 4.125%
HK$172,956
baseline
▲ 0.50% · 4.625%
HK$182,073
+HK$9,117/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$345,912/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,641
−HK$11,892/mo
▼ 0.25% · 3.875%
HK$195,540
−HK$5,993/mo
Today · 4.125%
HK$201,533
baseline
▲ 0.50% · 4.625%
HK$213,796
+HK$12,263/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$403,066/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,974
−HK$11,398/mo
▼ 0.25% · 3.875%
HK$216,632
−HK$5,740/mo
Today · 4.125%
HK$222,372
baseline
▲ 0.50% · 4.625%
HK$234,094
+HK$11,722/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$444,744/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,655 · Scale 2, in force from 26 Feb 2026)