LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,575
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,859
−HK$3,337/mo
Today · 4.125%
HK$112,196
baseline
▲ 0.50% · 4.625%
HK$119,022
+HK$6,826/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$224,392/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,967,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,451
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,601
−HK$3,196/mo
Today · 4.125%
HK$123,797
baseline
▲ 0.50% · 4.625%
HK$130,322
+HK$6,525/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$247,594/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,967,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,690
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,631
−HK$4,004/mo
Today · 4.125%
HK$134,635
baseline
▲ 0.50% · 4.625%
HK$142,827
+HK$8,192/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$269,270/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,967,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,941
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,721
−HK$3,835/mo
Today · 4.125%
HK$148,556
baseline
▲ 0.50% · 4.625%
HK$156,387
+HK$7,831/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$297,112/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,967,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,805
−HK$9,269/mo
▼ 0.25% · 3.875%
HK$152,403
−HK$4,671/mo
Today · 4.125%
HK$157,074
baseline
▲ 0.50% · 4.625%
HK$166,631
+HK$9,557/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$314,148/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,432
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$168,842
−HK$4,473/mo
Today · 4.125%
HK$173,315
baseline
▲ 0.50% · 4.625%
HK$182,451
+HK$9,136/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$346,630/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,035
−HK$11,917/mo
▼ 0.25% · 3.875%
HK$195,946
−HK$6,006/mo
Today · 4.125%
HK$201,952
baseline
▲ 0.50% · 4.625%
HK$214,240
+HK$12,288/mo
Deposit HK$4.63M · loan HK$41.67M · min. income ≈ HK$403,904/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,412
−HK$11,422/mo
▼ 0.25% · 3.875%
HK$217,082
−HK$5,752/mo
Today · 4.125%
HK$222,834
baseline
▲ 0.50% · 4.625%
HK$234,580
+HK$11,746/mo
Deposit HK$4.63M · loan HK$41.67M · min. income ≈ HK$445,668/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,735 · Scale 2, in force from 26 Feb 2026)