LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,009
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,306
−HK$3,350/mo
Today · 4.125%
HK$112,656
baseline
▲ 0.50% · 4.625%
HK$119,511
+HK$6,855/mo
Deposit HK$23.24M · loan HK$23.24M · min. income ≈ HK$225,312/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$1,975,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,934
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,097
−HK$3,208/mo
Today · 4.125%
HK$124,305
baseline
▲ 0.50% · 4.625%
HK$130,858
+HK$6,553/mo
Deposit HK$23.24M · loan HK$23.24M · min. income ≈ HK$248,610/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$1,975,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,210
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$131,167
−HK$4,021/mo
Today · 4.125%
HK$135,188
baseline
▲ 0.50% · 4.625%
HK$143,414
+HK$8,226/mo
Deposit HK$18.60M · loan HK$27.89M · min. income ≈ HK$270,376/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,975,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,520
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$145,316
−HK$3,850/mo
Today · 4.125%
HK$149,166
baseline
▲ 0.50% · 4.625%
HK$157,029
+HK$7,863/mo
Deposit HK$18.60M · loan HK$27.89M · min. income ≈ HK$298,332/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,975,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,412
−HK$9,307/mo
▼ 0.25% · 3.875%
HK$153,029
−HK$4,690/mo
Today · 4.125%
HK$157,719
baseline
▲ 0.50% · 4.625%
HK$167,316
+HK$9,597/mo
Deposit HK$13.95M · loan HK$32.54M · min. income ≈ HK$315,438/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,975,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,107
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$169,535
−HK$4,492/mo
Today · 4.125%
HK$174,027
baseline
▲ 0.50% · 4.625%
HK$183,201
+HK$9,174/mo
Deposit HK$13.95M · loan HK$32.54M · min. income ≈ HK$348,054/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,975,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,816
−HK$11,966/mo
▼ 0.25% · 3.875%
HK$196,751
−HK$6,031/mo
Today · 4.125%
HK$202,782
baseline
▲ 0.50% · 4.625%
HK$215,120
+HK$12,338/mo
Deposit HK$4.65M · loan HK$41.84M · min. income ≈ HK$405,564/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,975,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,281
−HK$11,468/mo
▼ 0.25% · 3.875%
HK$217,974
−HK$5,775/mo
Today · 4.125%
HK$223,749
baseline
▲ 0.50% · 4.625%
HK$235,544
+HK$11,795/mo
Deposit HK$4.65M · loan HK$41.84M · min. income ≈ HK$447,498/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,975,818 · Scale 2, in force from 26 Feb 2026)