LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,186
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,489
−HK$3,356/mo
Today · 4.125%
HK$112,845
baseline
▲ 0.50% · 4.625%
HK$119,712
+HK$6,867/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$225,690/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,979,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,131
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,300
−HK$3,214/mo
Today · 4.125%
HK$124,514
baseline
▲ 0.50% · 4.625%
HK$131,077
+HK$6,563/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$249,028/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,979,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,424
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,387
−HK$4,027/mo
Today · 4.125%
HK$135,414
baseline
▲ 0.50% · 4.625%
HK$143,654
+HK$8,240/mo
Deposit HK$18.63M · loan HK$27.94M · min. income ≈ HK$270,828/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,758
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$145,559
−HK$3,857/mo
Today · 4.125%
HK$149,416
baseline
▲ 0.50% · 4.625%
HK$157,292
+HK$7,876/mo
Deposit HK$18.63M · loan HK$27.94M · min. income ≈ HK$298,832/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,661
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$153,285
−HK$4,698/mo
Today · 4.125%
HK$157,983
baseline
▲ 0.50% · 4.625%
HK$167,596
+HK$9,613/mo
Deposit HK$13.97M · loan HK$32.60M · min. income ≈ HK$315,966/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,979,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,384
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$169,819
−HK$4,500/mo
Today · 4.125%
HK$174,319
baseline
▲ 0.50% · 4.625%
HK$183,508
+HK$9,189/mo
Deposit HK$13.97M · loan HK$32.60M · min. income ≈ HK$348,638/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,979,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,136
−HK$11,985/mo
▼ 0.25% · 3.875%
HK$197,081
−HK$6,040/mo
Today · 4.125%
HK$203,121
baseline
▲ 0.50% · 4.625%
HK$215,481
+HK$12,360/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$406,242/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,636
−HK$11,488/mo
▼ 0.25% · 3.875%
HK$218,339
−HK$5,785/mo
Today · 4.125%
HK$224,124
baseline
▲ 0.50% · 4.625%
HK$235,938
+HK$11,814/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$448,248/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,130 · Scale 2, in force from 26 Feb 2026)