LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,365
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,642
−HK$3,330/mo
Today · 4.125%
HK$111,972
baseline
▲ 0.50% · 4.625%
HK$118,785
+HK$6,813/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,944/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,963,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,217
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,361
−HK$3,189/mo
Today · 4.125%
HK$123,550
baseline
▲ 0.50% · 4.625%
HK$130,062
+HK$6,512/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,100/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,963,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,437
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,370
−HK$3,996/mo
Today · 4.125%
HK$134,366
baseline
▲ 0.50% · 4.625%
HK$142,542
+HK$8,176/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$268,732/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,963,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,660
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,433
−HK$3,827/mo
Today · 4.125%
HK$148,260
baseline
▲ 0.50% · 4.625%
HK$156,075
+HK$7,815/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$296,520/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,963,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,510
−HK$9,251/mo
▼ 0.25% · 3.875%
HK$152,099
−HK$4,662/mo
Today · 4.125%
HK$156,761
baseline
▲ 0.50% · 4.625%
HK$166,299
+HK$9,538/mo
Deposit HK$13.86M · loan HK$32.35M · min. income ≈ HK$313,522/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,963,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,104
−HK$8,866/mo
▼ 0.25% · 3.875%
HK$168,505
−HK$4,465/mo
Today · 4.125%
HK$172,970
baseline
▲ 0.50% · 4.625%
HK$182,087
+HK$9,117/mo
Deposit HK$13.86M · loan HK$32.35M · min. income ≈ HK$345,940/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,963,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,656
−HK$11,893/mo
▼ 0.25% · 3.875%
HK$195,556
−HK$5,993/mo
Today · 4.125%
HK$201,549
baseline
▲ 0.50% · 4.625%
HK$213,813
+HK$12,264/mo
Deposit HK$4.62M · loan HK$41.59M · min. income ≈ HK$403,098/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,991
−HK$11,399/mo
▼ 0.25% · 3.875%
HK$216,649
−HK$5,741/mo
Today · 4.125%
HK$222,390
baseline
▲ 0.50% · 4.625%
HK$234,112
+HK$11,722/mo
Deposit HK$4.62M · loan HK$41.59M · min. income ≈ HK$444,780/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,812 · Scale 2, in force from 26 Feb 2026)