LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,044
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,342
−HK$3,352/mo
Today · 4.125%
HK$112,694
baseline
▲ 0.50% · 4.625%
HK$119,551
+HK$6,857/mo
Deposit HK$23.25M · loan HK$23.25M · min. income ≈ HK$225,388/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,973
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,137
−HK$3,209/mo
Today · 4.125%
HK$124,346
baseline
▲ 0.50% · 4.625%
HK$130,901
+HK$6,555/mo
Deposit HK$23.25M · loan HK$23.25M · min. income ≈ HK$248,692/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,253
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,211
−HK$4,022/mo
Today · 4.125%
HK$135,233
baseline
▲ 0.50% · 4.625%
HK$143,461
+HK$8,228/mo
Deposit HK$18.60M · loan HK$27.90M · min. income ≈ HK$270,466/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,567
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$145,364
−HK$3,852/mo
Today · 4.125%
HK$149,216
baseline
▲ 0.50% · 4.625%
HK$157,081
+HK$7,865/mo
Deposit HK$18.60M · loan HK$27.90M · min. income ≈ HK$298,432/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,461
−HK$9,310/mo
▼ 0.25% · 3.875%
HK$153,079
−HK$4,692/mo
Today · 4.125%
HK$157,771
baseline
▲ 0.50% · 4.625%
HK$167,371
+HK$9,600/mo
Deposit HK$13.95M · loan HK$32.55M · min. income ≈ HK$315,542/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,162
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$169,591
−HK$4,494/mo
Today · 4.125%
HK$174,085
baseline
▲ 0.50% · 4.625%
HK$183,261
+HK$9,176/mo
Deposit HK$13.95M · loan HK$32.55M · min. income ≈ HK$348,170/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,879
−HK$11,970/mo
▼ 0.25% · 3.875%
HK$196,816
−HK$6,033/mo
Today · 4.125%
HK$202,849
baseline
▲ 0.50% · 4.625%
HK$215,192
+HK$12,343/mo
Deposit HK$4.65M · loan HK$41.85M · min. income ≈ HK$405,698/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,351
−HK$11,473/mo
▼ 0.25% · 3.875%
HK$218,046
−HK$5,778/mo
Today · 4.125%
HK$223,824
baseline
▲ 0.50% · 4.625%
HK$235,622
+HK$11,798/mo
Deposit HK$4.65M · loan HK$41.85M · min. income ≈ HK$447,648/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,474 · Scale 2, in force from 26 Feb 2026)