LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,906
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,201
−HK$3,346/mo
Today · 4.125%
HK$112,547
baseline
▲ 0.50% · 4.625%
HK$119,396
+HK$6,849/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$225,094/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,973,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,820
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,979
−HK$3,206/mo
Today · 4.125%
HK$124,185
baseline
▲ 0.50% · 4.625%
HK$130,731
+HK$6,546/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$248,370/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,973,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,087
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$131,041
−HK$4,016/mo
Today · 4.125%
HK$135,057
baseline
▲ 0.50% · 4.625%
HK$143,275
+HK$8,218/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$270,114/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,384
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,175
−HK$3,847/mo
Today · 4.125%
HK$149,022
baseline
▲ 0.50% · 4.625%
HK$156,877
+HK$7,855/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$298,044/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,269
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$152,881
−HK$4,685/mo
Today · 4.125%
HK$157,566
baseline
▲ 0.50% · 4.625%
HK$167,154
+HK$9,588/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$315,132/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,973,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,947
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$169,371
−HK$4,488/mo
Today · 4.125%
HK$173,859
baseline
▲ 0.50% · 4.625%
HK$183,023
+HK$9,164/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$347,718/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,973,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,631
−HK$11,954/mo
▼ 0.25% · 3.875%
HK$196,561
−HK$6,024/mo
Today · 4.125%
HK$202,585
baseline
▲ 0.50% · 4.625%
HK$214,912
+HK$12,327/mo
Deposit HK$4.64M · loan HK$41.80M · min. income ≈ HK$405,170/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,075
−HK$11,458/mo
▼ 0.25% · 3.875%
HK$217,763
−HK$5,770/mo
Today · 4.125%
HK$223,533
baseline
▲ 0.50% · 4.625%
HK$235,316
+HK$11,783/mo
Deposit HK$4.64M · loan HK$41.80M · min. income ≈ HK$447,066/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,908 · Scale 2, in force from 26 Feb 2026)