LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,407
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,685
−HK$3,332/mo
Today · 4.125%
HK$112,017
baseline
▲ 0.50% · 4.625%
HK$118,833
+HK$6,816/mo
Deposit HK$23.11M · loan HK$23.11M · min. income ≈ HK$224,034/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,964,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,264
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,409
−HK$3,190/mo
Today · 4.125%
HK$123,599
baseline
▲ 0.50% · 4.625%
HK$130,114
+HK$6,515/mo
Deposit HK$23.11M · loan HK$23.11M · min. income ≈ HK$247,198/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,964,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,488
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,422
−HK$3,998/mo
Today · 4.125%
HK$134,420
baseline
▲ 0.50% · 4.625%
HK$142,599
+HK$8,179/mo
Deposit HK$18.49M · loan HK$27.74M · min. income ≈ HK$268,840/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,964,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,717
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$144,491
−HK$3,828/mo
Today · 4.125%
HK$148,319
baseline
▲ 0.50% · 4.625%
HK$156,137
+HK$7,818/mo
Deposit HK$18.49M · loan HK$27.74M · min. income ≈ HK$296,638/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,964,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,569
−HK$9,254/mo
▼ 0.25% · 3.875%
HK$152,160
−HK$4,663/mo
Today · 4.125%
HK$156,823
baseline
▲ 0.50% · 4.625%
HK$166,366
+HK$9,543/mo
Deposit HK$13.87M · loan HK$32.36M · min. income ≈ HK$313,646/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,964,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,169
−HK$8,870/mo
▼ 0.25% · 3.875%
HK$168,572
−HK$4,467/mo
Today · 4.125%
HK$173,039
baseline
▲ 0.50% · 4.625%
HK$182,160
+HK$9,121/mo
Deposit HK$13.87M · loan HK$32.36M · min. income ≈ HK$346,078/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,964,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,732
−HK$11,898/mo
▼ 0.25% · 3.875%
HK$195,634
−HK$5,996/mo
Today · 4.125%
HK$201,630
baseline
▲ 0.50% · 4.625%
HK$213,899
+HK$12,269/mo
Deposit HK$4.62M · loan HK$41.60M · min. income ≈ HK$403,260/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,964,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,075
−HK$11,404/mo
▼ 0.25% · 3.875%
HK$216,736
−HK$5,743/mo
Today · 4.125%
HK$222,479
baseline
▲ 0.50% · 4.625%
HK$234,206
+HK$11,727/mo
Deposit HK$4.62M · loan HK$41.60M · min. income ≈ HK$444,958/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,964,596 · Scale 2, in force from 26 Feb 2026)