LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,701
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,989
−HK$3,341/mo
Today · 4.125%
HK$112,330
baseline
▲ 0.50% · 4.625%
HK$119,165
+HK$6,835/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$224,660/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,592
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,745
−HK$3,200/mo
Today · 4.125%
HK$123,945
baseline
▲ 0.50% · 4.625%
HK$130,478
+HK$6,533/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$247,890/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,841
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,787
−HK$4,009/mo
Today · 4.125%
HK$134,796
baseline
▲ 0.50% · 4.625%
HK$142,998
+HK$8,202/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$269,592/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,970,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,110
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,894
−HK$3,840/mo
Today · 4.125%
HK$148,734
baseline
▲ 0.50% · 4.625%
HK$156,574
+HK$7,840/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$297,468/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,970,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,982
−HK$9,279/mo
▼ 0.25% · 3.875%
HK$152,585
−HK$4,676/mo
Today · 4.125%
HK$157,261
baseline
▲ 0.50% · 4.625%
HK$166,830
+HK$9,569/mo
Deposit HK$13.91M · loan HK$32.45M · min. income ≈ HK$314,522/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,628
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$169,043
−HK$4,480/mo
Today · 4.125%
HK$173,523
baseline
▲ 0.50% · 4.625%
HK$182,669
+HK$9,146/mo
Deposit HK$13.91M · loan HK$32.45M · min. income ≈ HK$347,046/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,262
−HK$11,931/mo
▼ 0.25% · 3.875%
HK$196,180
−HK$6,013/mo
Today · 4.125%
HK$202,193
baseline
▲ 0.50% · 4.625%
HK$214,496
+HK$12,303/mo
Deposit HK$4.64M · loan HK$41.72M · min. income ≈ HK$404,386/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,665
−HK$11,435/mo
▼ 0.25% · 3.875%
HK$217,342
−HK$5,758/mo
Today · 4.125%
HK$223,100
baseline
▲ 0.50% · 4.625%
HK$234,860
+HK$11,760/mo
Deposit HK$4.64M · loan HK$41.72M · min. income ≈ HK$446,200/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,087 · Scale 2, in force from 26 Feb 2026)