LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,832
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,124
−HK$3,344/mo
Today · 4.125%
HK$112,468
baseline
▲ 0.50% · 4.625%
HK$119,312
+HK$6,844/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$224,936/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,737
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,894
−HK$3,204/mo
Today · 4.125%
HK$124,098
baseline
▲ 0.50% · 4.625%
HK$130,639
+HK$6,541/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$248,196/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,998
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$130,948
−HK$4,014/mo
Today · 4.125%
HK$134,962
baseline
▲ 0.50% · 4.625%
HK$143,174
+HK$8,212/mo
Deposit HK$18.56M · loan HK$27.85M · min. income ≈ HK$269,924/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,284
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,073
−HK$3,844/mo
Today · 4.125%
HK$148,917
baseline
▲ 0.50% · 4.625%
HK$156,767
+HK$7,850/mo
Deposit HK$18.56M · loan HK$27.85M · min. income ≈ HK$297,834/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,164
−HK$9,291/mo
▼ 0.25% · 3.875%
HK$152,773
−HK$4,682/mo
Today · 4.125%
HK$157,455
baseline
▲ 0.50% · 4.625%
HK$167,036
+HK$9,581/mo
Deposit HK$13.92M · loan HK$32.49M · min. income ≈ HK$314,910/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,831
−HK$8,906/mo
▼ 0.25% · 3.875%
HK$169,252
−HK$4,485/mo
Today · 4.125%
HK$173,737
baseline
▲ 0.50% · 4.625%
HK$182,894
+HK$9,157/mo
Deposit HK$13.92M · loan HK$32.49M · min. income ≈ HK$347,474/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,497
−HK$11,946/mo
▼ 0.25% · 3.875%
HK$196,422
−HK$6,021/mo
Today · 4.125%
HK$202,443
baseline
▲ 0.50% · 4.625%
HK$214,761
+HK$12,318/mo
Deposit HK$4.64M · loan HK$41.77M · min. income ≈ HK$404,886/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,926
−HK$11,450/mo
▼ 0.25% · 3.875%
HK$217,610
−HK$5,766/mo
Today · 4.125%
HK$223,376
baseline
▲ 0.50% · 4.625%
HK$235,150
+HK$11,774/mo
Deposit HK$4.64M · loan HK$41.77M · min. income ≈ HK$446,752/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,517 · Scale 2, in force from 26 Feb 2026)