LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,706
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,025
−HK$3,372/mo
Today · 4.125%
HK$113,397
baseline
▲ 0.50% · 4.625%
HK$120,297
+HK$6,900/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$226,794/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,709
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,893
−HK$3,229/mo
Today · 4.125%
HK$125,122
baseline
▲ 0.50% · 4.625%
HK$131,718
+HK$6,596/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$250,244/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,047
−HK$8,029/mo
▼ 0.25% · 3.875%
HK$132,030
−HK$4,046/mo
Today · 4.125%
HK$136,076
baseline
▲ 0.50% · 4.625%
HK$144,356
+HK$8,280/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$272,152/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,451
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$146,271
−HK$3,876/mo
Today · 4.125%
HK$150,147
baseline
▲ 0.50% · 4.625%
HK$158,061
+HK$7,914/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$300,294/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,388
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,035
−HK$4,721/mo
Today · 4.125%
HK$158,756
baseline
▲ 0.50% · 4.625%
HK$168,416
+HK$9,660/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$317,512/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,192
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,650
−HK$4,521/mo
Today · 4.125%
HK$175,171
baseline
▲ 0.50% · 4.625%
HK$184,405
+HK$9,234/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$350,342/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,070
−HK$12,044/mo
▼ 0.25% · 3.875%
HK$198,044
−HK$6,070/mo
Today · 4.125%
HK$204,114
baseline
▲ 0.50% · 4.625%
HK$216,534
+HK$12,420/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$408,228/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,676
−HK$11,544/mo
▼ 0.25% · 3.875%
HK$219,407
−HK$5,813/mo
Today · 4.125%
HK$225,220
baseline
▲ 0.50% · 4.625%
HK$237,092
+HK$11,872/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$450,440/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,806 · Scale 2, in force from 26 Feb 2026)