LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,482
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,794
−HK$3,365/mo
Today · 4.125%
HK$113,159
baseline
▲ 0.50% · 4.625%
HK$120,045
+HK$6,886/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$226,318/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,460
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,637
−HK$3,223/mo
Today · 4.125%
HK$124,860
baseline
▲ 0.50% · 4.625%
HK$131,442
+HK$6,582/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$249,720/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,778
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$131,753
−HK$4,038/mo
Today · 4.125%
HK$135,791
baseline
▲ 0.50% · 4.625%
HK$144,054
+HK$8,263/mo
Deposit HK$18.68M · loan HK$28.02M · min. income ≈ HK$271,582/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,152
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$145,965
−HK$3,867/mo
Today · 4.125%
HK$149,832
baseline
▲ 0.50% · 4.625%
HK$157,730
+HK$7,898/mo
Deposit HK$18.68M · loan HK$28.02M · min. income ≈ HK$299,664/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,075
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$153,712
−HK$4,711/mo
Today · 4.125%
HK$158,423
baseline
▲ 0.50% · 4.625%
HK$168,063
+HK$9,640/mo
Deposit HK$14.01M · loan HK$32.69M · min. income ≈ HK$316,846/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,844
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$170,292
−HK$4,512/mo
Today · 4.125%
HK$174,804
baseline
▲ 0.50% · 4.625%
HK$184,019
+HK$9,215/mo
Deposit HK$14.01M · loan HK$32.69M · min. income ≈ HK$349,608/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,668
−HK$12,019/mo
▼ 0.25% · 3.875%
HK$197,630
−HK$6,057/mo
Today · 4.125%
HK$203,687
baseline
▲ 0.50% · 4.625%
HK$216,081
+HK$12,394/mo
Deposit HK$4.67M · loan HK$42.03M · min. income ≈ HK$407,374/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,228
−HK$11,520/mo
▼ 0.25% · 3.875%
HK$218,947
−HK$5,801/mo
Today · 4.125%
HK$224,748
baseline
▲ 0.50% · 4.625%
HK$236,595
+HK$11,847/mo
Deposit HK$4.67M · loan HK$42.03M · min. income ≈ HK$449,496/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,640 · Scale 2, in force from 26 Feb 2026)