LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,652
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,970
−HK$3,370/mo
Today · 4.125%
HK$113,340
baseline
▲ 0.50% · 4.625%
HK$120,237
+HK$6,897/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$226,680/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$1,987,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,650
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,832
−HK$3,228/mo
Today · 4.125%
HK$125,060
baseline
▲ 0.50% · 4.625%
HK$131,652
+HK$6,592/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$250,120/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$1,987,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,983
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$131,964
−HK$4,045/mo
Today · 4.125%
HK$136,009
baseline
▲ 0.50% · 4.625%
HK$144,284
+HK$8,275/mo
Deposit HK$18.71M · loan HK$28.06M · min. income ≈ HK$272,018/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,987,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,380
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,198
−HK$3,874/mo
Today · 4.125%
HK$150,072
baseline
▲ 0.50% · 4.625%
HK$157,982
+HK$7,910/mo
Deposit HK$18.71M · loan HK$28.06M · min. income ≈ HK$300,144/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,987,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,313
−HK$9,364/mo
▼ 0.25% · 3.875%
HK$153,958
−HK$4,719/mo
Today · 4.125%
HK$158,677
baseline
▲ 0.50% · 4.625%
HK$168,332
+HK$9,655/mo
Deposit HK$14.03M · loan HK$32.74M · min. income ≈ HK$317,354/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,987,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,110
−HK$8,974/mo
▼ 0.25% · 3.875%
HK$170,565
−HK$4,519/mo
Today · 4.125%
HK$175,084
baseline
▲ 0.50% · 4.625%
HK$184,313
+HK$9,229/mo
Deposit HK$14.03M · loan HK$32.74M · min. income ≈ HK$350,168/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,987,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,974
−HK$12,039/mo
▼ 0.25% · 3.875%
HK$197,946
−HK$6,067/mo
Today · 4.125%
HK$204,013
baseline
▲ 0.50% · 4.625%
HK$216,426
+HK$12,413/mo
Deposit HK$4.68M · loan HK$42.09M · min. income ≈ HK$408,026/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,987,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,569
−HK$11,539/mo
▼ 0.25% · 3.875%
HK$219,297
−HK$5,811/mo
Today · 4.125%
HK$225,108
baseline
▲ 0.50% · 4.625%
HK$236,974
+HK$11,866/mo
Deposit HK$4.68M · loan HK$42.09M · min. income ≈ HK$450,216/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,987,815 · Scale 2, in force from 26 Feb 2026)