LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,363
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,641
−HK$3,330/mo
Today · 4.125%
HK$111,971
baseline
▲ 0.50% · 4.625%
HK$118,784
+HK$6,813/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,942/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,963,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,216
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,359
−HK$3,189/mo
Today · 4.125%
HK$123,548
baseline
▲ 0.50% · 4.625%
HK$130,061
+HK$6,513/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,096/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,963,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,436
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,369
−HK$3,996/mo
Today · 4.125%
HK$134,365
baseline
▲ 0.50% · 4.625%
HK$142,540
+HK$8,175/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$268,730/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,963,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,659
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,431
−HK$3,827/mo
Today · 4.125%
HK$148,258
baseline
▲ 0.50% · 4.625%
HK$156,073
+HK$7,815/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$296,516/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,963,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,509
−HK$9,250/mo
▼ 0.25% · 3.875%
HK$152,097
−HK$4,662/mo
Today · 4.125%
HK$156,759
baseline
▲ 0.50% · 4.625%
HK$166,297
+HK$9,538/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$313,518/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,963,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,102
−HK$8,866/mo
▼ 0.25% · 3.875%
HK$168,503
−HK$4,465/mo
Today · 4.125%
HK$172,968
baseline
▲ 0.50% · 4.625%
HK$182,085
+HK$9,117/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$345,936/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,963,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,654
−HK$11,893/mo
▼ 0.25% · 3.875%
HK$195,553
−HK$5,994/mo
Today · 4.125%
HK$201,547
baseline
▲ 0.50% · 4.625%
HK$213,811
+HK$12,264/mo
Deposit HK$4.62M · loan HK$41.59M · min. income ≈ HK$403,094/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,988
−HK$11,399/mo
▼ 0.25% · 3.875%
HK$216,647
−HK$5,740/mo
Today · 4.125%
HK$222,387
baseline
▲ 0.50% · 4.625%
HK$234,109
+HK$11,722/mo
Deposit HK$4.62M · loan HK$41.59M · min. income ≈ HK$444,774/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,788 · Scale 2, in force from 26 Feb 2026)