LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,473
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,785
−HK$3,364/mo
Today · 4.125%
HK$113,149
baseline
▲ 0.50% · 4.625%
HK$120,034
+HK$6,885/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$226,298/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,450
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,626
−HK$3,223/mo
Today · 4.125%
HK$124,849
baseline
▲ 0.50% · 4.625%
HK$131,430
+HK$6,581/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$249,698/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,767
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,741
−HK$4,038/mo
Today · 4.125%
HK$135,779
baseline
▲ 0.50% · 4.625%
HK$144,041
+HK$8,262/mo
Deposit HK$18.68M · loan HK$28.02M · min. income ≈ HK$271,558/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,140
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,952
−HK$3,867/mo
Today · 4.125%
HK$149,819
baseline
▲ 0.50% · 4.625%
HK$157,716
+HK$7,897/mo
Deposit HK$18.68M · loan HK$28.02M · min. income ≈ HK$299,638/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,062
−HK$9,347/mo
▼ 0.25% · 3.875%
HK$153,698
−HK$4,711/mo
Today · 4.125%
HK$158,409
baseline
▲ 0.50% · 4.625%
HK$168,048
+HK$9,639/mo
Deposit HK$14.01M · loan HK$32.69M · min. income ≈ HK$316,818/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,830
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$170,277
−HK$4,512/mo
Today · 4.125%
HK$174,789
baseline
▲ 0.50% · 4.625%
HK$184,002
+HK$9,213/mo
Deposit HK$14.01M · loan HK$32.69M · min. income ≈ HK$349,578/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,651
−HK$12,018/mo
▼ 0.25% · 3.875%
HK$197,612
−HK$6,057/mo
Today · 4.125%
HK$203,669
baseline
▲ 0.50% · 4.625%
HK$216,062
+HK$12,393/mo
Deposit HK$4.67M · loan HK$42.02M · min. income ≈ HK$407,338/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,209
−HK$11,520/mo
▼ 0.25% · 3.875%
HK$218,928
−HK$5,801/mo
Today · 4.125%
HK$224,729
baseline
▲ 0.50% · 4.625%
HK$236,574
+HK$11,845/mo
Deposit HK$4.67M · loan HK$42.02M · min. income ≈ HK$449,458/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,464 · Scale 2, in force from 26 Feb 2026)