LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,040
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,338
−HK$3,351/mo
Today · 4.125%
HK$112,689
baseline
▲ 0.50% · 4.625%
HK$119,546
+HK$6,857/mo
Deposit HK$23.25M · loan HK$23.25M · min. income ≈ HK$225,378/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,968
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,132
−HK$3,210/mo
Today · 4.125%
HK$124,342
baseline
▲ 0.50% · 4.625%
HK$130,896
+HK$6,554/mo
Deposit HK$23.25M · loan HK$23.25M · min. income ≈ HK$248,684/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,248
−HK$7,979/mo
▼ 0.25% · 3.875%
HK$131,206
−HK$4,021/mo
Today · 4.125%
HK$135,227
baseline
▲ 0.50% · 4.625%
HK$143,456
+HK$8,229/mo
Deposit HK$18.60M · loan HK$27.90M · min. income ≈ HK$270,454/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,562
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$145,359
−HK$3,851/mo
Today · 4.125%
HK$149,210
baseline
▲ 0.50% · 4.625%
HK$157,075
+HK$7,865/mo
Deposit HK$18.60M · loan HK$27.90M · min. income ≈ HK$298,420/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,456
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,074
−HK$4,691/mo
Today · 4.125%
HK$157,765
baseline
▲ 0.50% · 4.625%
HK$167,365
+HK$9,600/mo
Deposit HK$13.95M · loan HK$32.55M · min. income ≈ HK$315,530/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,156
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$169,585
−HK$4,493/mo
Today · 4.125%
HK$174,078
baseline
▲ 0.50% · 4.625%
HK$183,254
+HK$9,176/mo
Deposit HK$13.95M · loan HK$32.55M · min. income ≈ HK$348,156/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,872
−HK$11,969/mo
▼ 0.25% · 3.875%
HK$196,809
−HK$6,032/mo
Today · 4.125%
HK$202,841
baseline
▲ 0.50% · 4.625%
HK$215,183
+HK$12,342/mo
Deposit HK$4.65M · loan HK$41.85M · min. income ≈ HK$405,682/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,343
−HK$11,472/mo
▼ 0.25% · 3.875%
HK$218,038
−HK$5,777/mo
Today · 4.125%
HK$223,815
baseline
▲ 0.50% · 4.625%
HK$235,613
+HK$11,798/mo
Deposit HK$4.65M · loan HK$41.85M · min. income ≈ HK$447,630/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,398 · Scale 2, in force from 26 Feb 2026)