LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,901
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,195
−HK$3,347/mo
Today · 4.125%
HK$112,542
baseline
▲ 0.50% · 4.625%
HK$119,390
+HK$6,848/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$225,084/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,973,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,814
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,973
−HK$3,206/mo
Today · 4.125%
HK$124,179
baseline
▲ 0.50% · 4.625%
HK$130,724
+HK$6,545/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$248,358/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,973,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,081
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$131,034
−HK$4,016/mo
Today · 4.125%
HK$135,050
baseline
▲ 0.50% · 4.625%
HK$143,268
+HK$8,218/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$270,100/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,376
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,168
−HK$3,847/mo
Today · 4.125%
HK$149,015
baseline
▲ 0.50% · 4.625%
HK$156,869
+HK$7,854/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$298,030/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,261
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$152,873
−HK$4,686/mo
Today · 4.125%
HK$157,559
baseline
▲ 0.50% · 4.625%
HK$167,146
+HK$9,587/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$315,118/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,973,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,939
−HK$8,911/mo
▼ 0.25% · 3.875%
HK$169,363
−HK$4,487/mo
Today · 4.125%
HK$173,850
baseline
▲ 0.50% · 4.625%
HK$183,014
+HK$9,164/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$347,700/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,973,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,622
−HK$11,953/mo
▼ 0.25% · 3.875%
HK$196,551
−HK$6,024/mo
Today · 4.125%
HK$202,575
baseline
▲ 0.50% · 4.625%
HK$214,901
+HK$12,326/mo
Deposit HK$4.64M · loan HK$41.80M · min. income ≈ HK$405,150/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,065
−HK$11,457/mo
▼ 0.25% · 3.875%
HK$217,752
−HK$5,770/mo
Today · 4.125%
HK$223,522
baseline
▲ 0.50% · 4.625%
HK$235,304
+HK$11,782/mo
Deposit HK$4.64M · loan HK$41.80M · min. income ≈ HK$447,044/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,808 · Scale 2, in force from 26 Feb 2026)