LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,704
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,023
−HK$3,372/mo
Today · 4.125%
HK$113,395
baseline
▲ 0.50% · 4.625%
HK$120,295
+HK$6,900/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$226,790/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,707
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,891
−HK$3,229/mo
Today · 4.125%
HK$125,120
baseline
▲ 0.50% · 4.625%
HK$131,716
+HK$6,596/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$250,240/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,045
−HK$8,029/mo
▼ 0.25% · 3.875%
HK$132,028
−HK$4,046/mo
Today · 4.125%
HK$136,074
baseline
▲ 0.50% · 4.625%
HK$144,354
+HK$8,280/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$272,148/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,448
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,269
−HK$3,876/mo
Today · 4.125%
HK$150,145
baseline
▲ 0.50% · 4.625%
HK$158,059
+HK$7,914/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$300,290/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,386
−HK$9,367/mo
▼ 0.25% · 3.875%
HK$154,032
−HK$4,721/mo
Today · 4.125%
HK$158,753
baseline
▲ 0.50% · 4.625%
HK$168,413
+HK$9,660/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$317,506/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,190
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,647
−HK$4,522/mo
Today · 4.125%
HK$175,169
baseline
▲ 0.50% · 4.625%
HK$184,402
+HK$9,233/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$350,338/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,067
−HK$12,044/mo
▼ 0.25% · 3.875%
HK$198,041
−HK$6,070/mo
Today · 4.125%
HK$204,111
baseline
▲ 0.50% · 4.625%
HK$216,531
+HK$12,420/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$408,222/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,673
−HK$11,544/mo
▼ 0.25% · 3.875%
HK$219,403
−HK$5,814/mo
Today · 4.125%
HK$225,217
baseline
▲ 0.50% · 4.625%
HK$237,088
+HK$11,871/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$450,434/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,776 · Scale 2, in force from 26 Feb 2026)