LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,709
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,997
−HK$3,341/mo
Today · 4.125%
HK$112,338
baseline
▲ 0.50% · 4.625%
HK$119,174
+HK$6,836/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$224,676/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,600
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,754
−HK$3,200/mo
Today · 4.125%
HK$123,954
baseline
▲ 0.50% · 4.625%
HK$130,488
+HK$6,534/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$247,908/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,851
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,797
−HK$4,009/mo
Today · 4.125%
HK$134,806
baseline
▲ 0.50% · 4.625%
HK$143,008
+HK$8,202/mo
Deposit HK$18.54M · loan HK$27.82M · min. income ≈ HK$269,612/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,970,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,120
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$144,905
−HK$3,840/mo
Today · 4.125%
HK$148,745
baseline
▲ 0.50% · 4.625%
HK$156,585
+HK$7,840/mo
Deposit HK$18.54M · loan HK$27.82M · min. income ≈ HK$297,490/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,970,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,993
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$152,596
−HK$4,677/mo
Today · 4.125%
HK$157,273
baseline
▲ 0.50% · 4.625%
HK$166,843
+HK$9,570/mo
Deposit HK$13.91M · loan HK$32.45M · min. income ≈ HK$314,546/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,641
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$169,056
−HK$4,480/mo
Today · 4.125%
HK$173,536
baseline
▲ 0.50% · 4.625%
HK$182,683
+HK$9,147/mo
Deposit HK$13.91M · loan HK$32.45M · min. income ≈ HK$347,072/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,277
−HK$11,932/mo
▼ 0.25% · 3.875%
HK$196,195
−HK$6,014/mo
Today · 4.125%
HK$202,209
baseline
▲ 0.50% · 4.625%
HK$214,512
+HK$12,303/mo
Deposit HK$4.64M · loan HK$41.72M · min. income ≈ HK$404,418/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,681
−HK$11,436/mo
▼ 0.25% · 3.875%
HK$217,358
−HK$5,759/mo
Today · 4.125%
HK$223,117
baseline
▲ 0.50% · 4.625%
HK$234,878
+HK$11,761/mo
Deposit HK$4.64M · loan HK$41.72M · min. income ≈ HK$446,234/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,235 · Scale 2, in force from 26 Feb 2026)