LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,382
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,660
−HK$3,330/mo
Today · 4.125%
HK$111,990
baseline
▲ 0.50% · 4.625%
HK$118,805
+HK$6,815/mo
Deposit HK$23.11M · loan HK$23.11M · min. income ≈ HK$223,980/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,964,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,236
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,381
−HK$3,189/mo
Today · 4.125%
HK$123,570
baseline
▲ 0.50% · 4.625%
HK$130,084
+HK$6,514/mo
Deposit HK$23.11M · loan HK$23.11M · min. income ≈ HK$247,140/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,964,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,458
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$130,392
−HK$3,997/mo
Today · 4.125%
HK$134,389
baseline
▲ 0.50% · 4.625%
HK$142,566
+HK$8,177/mo
Deposit HK$18.49M · loan HK$27.73M · min. income ≈ HK$268,778/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,964,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,684
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,457
−HK$3,827/mo
Today · 4.125%
HK$148,284
baseline
▲ 0.50% · 4.625%
HK$156,101
+HK$7,817/mo
Deposit HK$18.49M · loan HK$27.73M · min. income ≈ HK$296,568/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,964,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,535
−HK$9,252/mo
▼ 0.25% · 3.875%
HK$152,124
−HK$4,663/mo
Today · 4.125%
HK$156,787
baseline
▲ 0.50% · 4.625%
HK$166,327
+HK$9,540/mo
Deposit HK$13.86M · loan HK$32.35M · min. income ≈ HK$313,574/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,964,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,131
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$168,533
−HK$4,466/mo
Today · 4.125%
HK$172,999
baseline
▲ 0.50% · 4.625%
HK$182,118
+HK$9,119/mo
Deposit HK$13.86M · loan HK$32.35M · min. income ≈ HK$345,998/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,964,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,688
−HK$11,895/mo
▼ 0.25% · 3.875%
HK$195,588
−HK$5,995/mo
Today · 4.125%
HK$201,583
baseline
▲ 0.50% · 4.625%
HK$213,849
+HK$12,266/mo
Deposit HK$4.62M · loan HK$41.59M · min. income ≈ HK$403,166/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,964,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,026
−HK$11,401/mo
▼ 0.25% · 3.875%
HK$216,685
−HK$5,742/mo
Today · 4.125%
HK$222,427
baseline
▲ 0.50% · 4.625%
HK$234,151
+HK$11,724/mo
Deposit HK$4.62M · loan HK$41.59M · min. income ≈ HK$444,854/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,964,138 · Scale 2, in force from 26 Feb 2026)