LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,709
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,028
−HK$3,373/mo
Today · 4.125%
HK$113,401
baseline
▲ 0.50% · 4.625%
HK$120,301
+HK$6,900/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$226,802/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,713
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,897
−HK$3,230/mo
Today · 4.125%
HK$125,127
baseline
▲ 0.50% · 4.625%
HK$131,722
+HK$6,595/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$250,254/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,051
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,034
−HK$4,047/mo
Today · 4.125%
HK$136,081
baseline
▲ 0.50% · 4.625%
HK$144,361
+HK$8,280/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$272,162/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,455
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,276
−HK$3,876/mo
Today · 4.125%
HK$150,152
baseline
▲ 0.50% · 4.625%
HK$158,067
+HK$7,915/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$300,304/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,393
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,040
−HK$4,721/mo
Today · 4.125%
HK$158,761
baseline
▲ 0.50% · 4.625%
HK$168,421
+HK$9,660/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$317,522/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,198
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,655
−HK$4,522/mo
Today · 4.125%
HK$175,177
baseline
▲ 0.50% · 4.625%
HK$184,411
+HK$9,234/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$350,354/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,076
−HK$12,045/mo
▼ 0.25% · 3.875%
HK$198,051
−HK$6,070/mo
Today · 4.125%
HK$204,121
baseline
▲ 0.50% · 4.625%
HK$216,542
+HK$12,421/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$408,242/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,683
−HK$11,545/mo
▼ 0.25% · 3.875%
HK$219,414
−HK$5,814/mo
Today · 4.125%
HK$225,228
baseline
▲ 0.50% · 4.625%
HK$237,100
+HK$11,872/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$450,456/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,873 · Scale 2, in force from 26 Feb 2026)