LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,830
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,154
−HK$3,376/mo
Today · 4.125%
HK$113,530
baseline
▲ 0.50% · 4.625%
HK$120,438
+HK$6,908/mo
Deposit HK$23.43M · loan HK$23.43M · min. income ≈ HK$227,060/mo (50% DSR)
Upfront cash ≈ HK$25.42M (deposit + AVD stamp duty HK$1,991,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,848
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,035
−HK$3,234/mo
Today · 4.125%
HK$125,269
baseline
▲ 0.50% · 4.625%
HK$131,872
+HK$6,603/mo
Deposit HK$23.43M · loan HK$23.43M · min. income ≈ HK$250,538/mo (50% DSR)
Upfront cash ≈ HK$25.42M (deposit + AVD stamp duty HK$1,991,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,197
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$132,184
−HK$4,052/mo
Today · 4.125%
HK$136,236
baseline
▲ 0.50% · 4.625%
HK$144,525
+HK$8,289/mo
Deposit HK$18.74M · loan HK$28.11M · min. income ≈ HK$272,472/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,991,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,617
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,442
−HK$3,881/mo
Today · 4.125%
HK$150,323
baseline
▲ 0.50% · 4.625%
HK$158,246
+HK$7,923/mo
Deposit HK$18.74M · loan HK$28.11M · min. income ≈ HK$300,646/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,991,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,563
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$154,215
−HK$4,727/mo
Today · 4.125%
HK$158,942
baseline
▲ 0.50% · 4.625%
HK$168,613
+HK$9,671/mo
Deposit HK$14.06M · loan HK$32.80M · min. income ≈ HK$317,884/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,991,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,387
−HK$8,989/mo
▼ 0.25% · 3.875%
HK$170,849
−HK$4,527/mo
Today · 4.125%
HK$175,376
baseline
▲ 0.50% · 4.625%
HK$184,621
+HK$9,245/mo
Deposit HK$14.06M · loan HK$32.80M · min. income ≈ HK$350,752/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,991,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,295
−HK$12,058/mo
▼ 0.25% · 3.875%
HK$198,276
−HK$6,077/mo
Today · 4.125%
HK$204,353
baseline
▲ 0.50% · 4.625%
HK$216,788
+HK$12,435/mo
Deposit HK$4.69M · loan HK$42.17M · min. income ≈ HK$408,706/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,991,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,926
−HK$11,558/mo
▼ 0.25% · 3.875%
HK$219,664
−HK$5,820/mo
Today · 4.125%
HK$225,484
baseline
▲ 0.50% · 4.625%
HK$237,369
+HK$11,885/mo
Deposit HK$4.69M · loan HK$42.17M · min. income ≈ HK$450,968/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,991,134 · Scale 2, in force from 26 Feb 2026)