LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,430
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,710
−HK$3,331/mo
Today · 4.125%
HK$112,041
baseline
▲ 0.50% · 4.625%
HK$118,859
+HK$6,818/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$224,082/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,965,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,290
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,436
−HK$3,191/mo
Today · 4.125%
HK$123,627
baseline
▲ 0.50% · 4.625%
HK$130,143
+HK$6,516/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$247,254/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,965,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,516
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$130,451
−HK$3,999/mo
Today · 4.125%
HK$134,450
baseline
▲ 0.50% · 4.625%
HK$142,631
+HK$8,181/mo
Deposit HK$18.49M · loan HK$27.74M · min. income ≈ HK$268,900/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,748
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,523
−HK$3,829/mo
Today · 4.125%
HK$148,352
baseline
▲ 0.50% · 4.625%
HK$156,172
+HK$7,820/mo
Deposit HK$18.49M · loan HK$27.74M · min. income ≈ HK$296,704/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,602
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$152,193
−HK$4,665/mo
Today · 4.125%
HK$156,858
baseline
▲ 0.50% · 4.625%
HK$166,402
+HK$9,544/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$313,716/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,206
−HK$8,871/mo
▼ 0.25% · 3.875%
HK$168,610
−HK$4,467/mo
Today · 4.125%
HK$173,077
baseline
▲ 0.50% · 4.625%
HK$182,200
+HK$9,123/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$346,154/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,774
−HK$11,901/mo
▼ 0.25% · 3.875%
HK$195,677
−HK$5,998/mo
Today · 4.125%
HK$201,675
baseline
▲ 0.50% · 4.625%
HK$213,946
+HK$12,271/mo
Deposit HK$4.62M · loan HK$41.61M · min. income ≈ HK$403,350/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,122
−HK$11,406/mo
▼ 0.25% · 3.875%
HK$216,784
−HK$5,744/mo
Today · 4.125%
HK$222,528
baseline
▲ 0.50% · 4.625%
HK$234,258
+HK$11,730/mo
Deposit HK$4.62M · loan HK$41.61M · min. income ≈ HK$445,056/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,032 · Scale 2, in force from 26 Feb 2026)