LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,125
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,426
−HK$3,354/mo
Today · 4.125%
HK$112,780
baseline
▲ 0.50% · 4.625%
HK$119,642
+HK$6,862/mo
Deposit HK$23.27M · loan HK$23.27M · min. income ≈ HK$225,560/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$1,977,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,063
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,229
−HK$3,212/mo
Today · 4.125%
HK$124,441
baseline
▲ 0.50% · 4.625%
HK$131,001
+HK$6,560/mo
Deposit HK$23.27M · loan HK$23.27M · min. income ≈ HK$248,882/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$1,977,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,350
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$131,311
−HK$4,025/mo
Today · 4.125%
HK$135,336
baseline
▲ 0.50% · 4.625%
HK$143,570
+HK$8,234/mo
Deposit HK$18.62M · loan HK$27.92M · min. income ≈ HK$270,672/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,675
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$145,475
−HK$3,854/mo
Today · 4.125%
HK$149,329
baseline
▲ 0.50% · 4.625%
HK$157,201
+HK$7,872/mo
Deposit HK$18.62M · loan HK$27.92M · min. income ≈ HK$298,658/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,575
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$153,196
−HK$4,695/mo
Today · 4.125%
HK$157,891
baseline
▲ 0.50% · 4.625%
HK$167,499
+HK$9,608/mo
Deposit HK$13.96M · loan HK$32.58M · min. income ≈ HK$315,782/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,288
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$169,721
−HK$4,497/mo
Today · 4.125%
HK$174,218
baseline
▲ 0.50% · 4.625%
HK$183,401
+HK$9,183/mo
Deposit HK$13.96M · loan HK$32.58M · min. income ≈ HK$348,436/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,024
−HK$11,979/mo
▼ 0.25% · 3.875%
HK$196,966
−HK$6,037/mo
Today · 4.125%
HK$203,003
baseline
▲ 0.50% · 4.625%
HK$215,356
+HK$12,353/mo
Deposit HK$4.65M · loan HK$41.89M · min. income ≈ HK$406,006/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,513
−HK$11,481/mo
▼ 0.25% · 3.875%
HK$218,212
−HK$5,782/mo
Today · 4.125%
HK$223,994
baseline
▲ 0.50% · 4.625%
HK$235,801
+HK$11,807/mo
Deposit HK$4.65M · loan HK$41.89M · min. income ≈ HK$447,988/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,979 · Scale 2, in force from 26 Feb 2026)