LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,914
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,208
−HK$3,348/mo
Today · 4.125%
HK$112,556
baseline
▲ 0.50% · 4.625%
HK$119,404
+HK$6,848/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$225,112/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,828
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,988
−HK$3,206/mo
Today · 4.125%
HK$124,194
baseline
▲ 0.50% · 4.625%
HK$130,740
+HK$6,546/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$248,388/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,097
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$131,050
−HK$4,017/mo
Today · 4.125%
HK$135,067
baseline
▲ 0.50% · 4.625%
HK$143,285
+HK$8,218/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$270,134/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,394
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,186
−HK$3,847/mo
Today · 4.125%
HK$149,033
baseline
▲ 0.50% · 4.625%
HK$156,888
+HK$7,855/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$298,066/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,279
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$152,892
−HK$4,686/mo
Today · 4.125%
HK$157,578
baseline
▲ 0.50% · 4.625%
HK$167,166
+HK$9,588/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$315,156/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,959
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$169,383
−HK$4,488/mo
Today · 4.125%
HK$173,871
baseline
▲ 0.50% · 4.625%
HK$183,036
+HK$9,165/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$347,742/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,645
−HK$11,955/mo
▼ 0.25% · 3.875%
HK$196,575
−HK$6,025/mo
Today · 4.125%
HK$202,600
baseline
▲ 0.50% · 4.625%
HK$214,928
+HK$12,328/mo
Deposit HK$4.64M · loan HK$41.80M · min. income ≈ HK$405,200/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,090
−HK$11,459/mo
▼ 0.25% · 3.875%
HK$217,779
−HK$5,770/mo
Today · 4.125%
HK$223,549
baseline
▲ 0.50% · 4.625%
HK$235,333
+HK$11,784/mo
Deposit HK$4.64M · loan HK$41.80M · min. income ≈ HK$447,098/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,974,049 · Scale 2, in force from 26 Feb 2026)