LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,845
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,137
−HK$3,345/mo
Today · 4.125%
HK$112,482
baseline
▲ 0.50% · 4.625%
HK$119,327
+HK$6,845/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$224,964/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,752
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,910
−HK$3,203/mo
Today · 4.125%
HK$124,113
baseline
▲ 0.50% · 4.625%
HK$130,656
+HK$6,543/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$248,226/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,014
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,965
−HK$4,014/mo
Today · 4.125%
HK$134,979
baseline
▲ 0.50% · 4.625%
HK$143,192
+HK$8,213/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$269,958/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,302
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,092
−HK$3,844/mo
Today · 4.125%
HK$148,936
baseline
▲ 0.50% · 4.625%
HK$156,787
+HK$7,851/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$297,872/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,183
−HK$9,292/mo
▼ 0.25% · 3.875%
HK$152,792
−HK$4,683/mo
Today · 4.125%
HK$157,475
baseline
▲ 0.50% · 4.625%
HK$167,057
+HK$9,582/mo
Deposit HK$13.93M · loan HK$32.49M · min. income ≈ HK$314,950/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,852
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$169,273
−HK$4,486/mo
Today · 4.125%
HK$173,759
baseline
▲ 0.50% · 4.625%
HK$182,918
+HK$9,159/mo
Deposit HK$13.93M · loan HK$32.49M · min. income ≈ HK$347,518/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,521
−HK$11,947/mo
▼ 0.25% · 3.875%
HK$196,447
−HK$6,021/mo
Today · 4.125%
HK$202,468
baseline
▲ 0.50% · 4.625%
HK$214,788
+HK$12,320/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$404,936/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,953
−HK$11,451/mo
▼ 0.25% · 3.875%
HK$217,637
−HK$5,767/mo
Today · 4.125%
HK$223,404
baseline
▲ 0.50% · 4.625%
HK$235,180
+HK$11,776/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$446,808/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,768 · Scale 2, in force from 26 Feb 2026)