LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,173
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,476
−HK$3,355/mo
Today · 4.125%
HK$112,831
baseline
▲ 0.50% · 4.625%
HK$119,696
+HK$6,865/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$225,662/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,978,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,116
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,284
−HK$3,214/mo
Today · 4.125%
HK$124,498
baseline
▲ 0.50% · 4.625%
HK$131,060
+HK$6,562/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$248,996/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,978,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,408
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,371
−HK$4,026/mo
Today · 4.125%
HK$135,397
baseline
▲ 0.50% · 4.625%
HK$143,636
+HK$8,239/mo
Deposit HK$18.62M · loan HK$27.94M · min. income ≈ HK$270,794/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,978,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,740
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,541
−HK$3,856/mo
Today · 4.125%
HK$149,397
baseline
▲ 0.50% · 4.625%
HK$157,272
+HK$7,875/mo
Deposit HK$18.62M · loan HK$27.94M · min. income ≈ HK$298,794/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,978,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,642
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$153,266
−HK$4,697/mo
Today · 4.125%
HK$157,963
baseline
▲ 0.50% · 4.625%
HK$167,575
+HK$9,612/mo
Deposit HK$13.97M · loan HK$32.59M · min. income ≈ HK$315,926/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,978,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,363
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$169,798
−HK$4,499/mo
Today · 4.125%
HK$174,297
baseline
▲ 0.50% · 4.625%
HK$183,484
+HK$9,187/mo
Deposit HK$13.97M · loan HK$32.59M · min. income ≈ HK$348,594/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,978,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,111
−HK$11,985/mo
▼ 0.25% · 3.875%
HK$197,056
−HK$6,040/mo
Today · 4.125%
HK$203,096
baseline
▲ 0.50% · 4.625%
HK$215,454
+HK$12,358/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$406,192/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,978,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,609
−HK$11,487/mo
▼ 0.25% · 3.875%
HK$218,312
−HK$5,784/mo
Today · 4.125%
HK$224,096
baseline
▲ 0.50% · 4.625%
HK$235,908
+HK$11,812/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$448,192/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,978,879 · Scale 2, in force from 26 Feb 2026)