LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,604
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,889
−HK$3,338/mo
Today · 4.125%
HK$112,227
baseline
▲ 0.50% · 4.625%
HK$119,056
+HK$6,829/mo
Deposit HK$23.16M · loan HK$23.16M · min. income ≈ HK$224,454/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,968,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,484
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,635
−HK$3,196/mo
Today · 4.125%
HK$123,831
baseline
▲ 0.50% · 4.625%
HK$130,359
+HK$6,528/mo
Deposit HK$23.16M · loan HK$23.16M · min. income ≈ HK$247,662/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,968,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,725
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,667
−HK$4,005/mo
Today · 4.125%
HK$134,672
baseline
▲ 0.50% · 4.625%
HK$142,867
+HK$8,195/mo
Deposit HK$18.53M · loan HK$27.79M · min. income ≈ HK$269,344/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,968,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,981
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,762
−HK$3,835/mo
Today · 4.125%
HK$148,597
baseline
▲ 0.50% · 4.625%
HK$156,430
+HK$7,833/mo
Deposit HK$18.53M · loan HK$27.79M · min. income ≈ HK$297,194/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,968,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,846
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$152,445
−HK$4,673/mo
Today · 4.125%
HK$157,118
baseline
▲ 0.50% · 4.625%
HK$166,678
+HK$9,560/mo
Deposit HK$13.89M · loan HK$32.42M · min. income ≈ HK$314,236/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,968,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,478
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$168,889
−HK$4,475/mo
Today · 4.125%
HK$173,364
baseline
▲ 0.50% · 4.625%
HK$182,502
+HK$9,138/mo
Deposit HK$13.89M · loan HK$32.42M · min. income ≈ HK$346,728/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,968,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,088
−HK$11,920/mo
▼ 0.25% · 3.875%
HK$196,001
−HK$6,007/mo
Today · 4.125%
HK$202,008
baseline
▲ 0.50% · 4.625%
HK$214,300
+HK$12,292/mo
Deposit HK$4.63M · loan HK$41.68M · min. income ≈ HK$404,016/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,471
−HK$11,425/mo
▼ 0.25% · 3.875%
HK$217,143
−HK$5,753/mo
Today · 4.125%
HK$222,896
baseline
▲ 0.50% · 4.625%
HK$234,645
+HK$11,749/mo
Deposit HK$4.63M · loan HK$41.68M · min. income ≈ HK$445,792/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,284 · Scale 2, in force from 26 Feb 2026)