LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,808
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,099
−HK$3,344/mo
Today · 4.125%
HK$112,443
baseline
▲ 0.50% · 4.625%
HK$119,285
+HK$6,842/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$224,886/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,972,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,710
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,867
−HK$3,203/mo
Today · 4.125%
HK$124,070
baseline
▲ 0.50% · 4.625%
HK$130,610
+HK$6,540/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$248,140/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,972,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,969
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$130,919
−HK$4,013/mo
Today · 4.125%
HK$134,932
baseline
▲ 0.50% · 4.625%
HK$143,142
+HK$8,210/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$269,864/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,972,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,252
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$145,041
−HK$3,843/mo
Today · 4.125%
HK$148,884
baseline
▲ 0.50% · 4.625%
HK$156,732
+HK$7,848/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$297,768/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,972,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,131
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$152,739
−HK$4,681/mo
Today · 4.125%
HK$157,420
baseline
▲ 0.50% · 4.625%
HK$166,999
+HK$9,579/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$314,840/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,972,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,794
−HK$8,904/mo
▼ 0.25% · 3.875%
HK$169,214
−HK$4,484/mo
Today · 4.125%
HK$173,698
baseline
▲ 0.50% · 4.625%
HK$182,853
+HK$9,155/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$347,396/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,972,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,454
−HK$11,943/mo
▼ 0.25% · 3.875%
HK$196,378
−HK$6,019/mo
Today · 4.125%
HK$202,397
baseline
▲ 0.50% · 4.625%
HK$214,713
+HK$12,316/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$404,794/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,878
−HK$11,447/mo
▼ 0.25% · 3.875%
HK$217,561
−HK$5,764/mo
Today · 4.125%
HK$223,325
baseline
▲ 0.50% · 4.625%
HK$235,097
+HK$11,772/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$446,650/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,074 · Scale 2, in force from 26 Feb 2026)