LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,852
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,175
−HK$3,377/mo
Today · 4.125%
HK$113,552
baseline
▲ 0.50% · 4.625%
HK$120,462
+HK$6,910/mo
Deposit HK$23.43M · loan HK$23.43M · min. income ≈ HK$227,104/mo (50% DSR)
Upfront cash ≈ HK$25.42M (deposit + AVD stamp duty HK$1,991,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,871
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,059
−HK$3,235/mo
Today · 4.125%
HK$125,294
baseline
▲ 0.50% · 4.625%
HK$131,898
+HK$6,604/mo
Deposit HK$23.43M · loan HK$23.43M · min. income ≈ HK$250,588/mo (50% DSR)
Upfront cash ≈ HK$25.42M (deposit + AVD stamp duty HK$1,991,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,222
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$132,210
−HK$4,053/mo
Today · 4.125%
HK$136,263
baseline
▲ 0.50% · 4.625%
HK$144,554
+HK$8,291/mo
Deposit HK$18.74M · loan HK$28.12M · min. income ≈ HK$272,526/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,991,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,646
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,471
−HK$3,881/mo
Today · 4.125%
HK$150,352
baseline
▲ 0.50% · 4.625%
HK$158,278
+HK$7,926/mo
Deposit HK$18.74M · loan HK$28.12M · min. income ≈ HK$300,704/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,991,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,592
−HK$9,381/mo
▼ 0.25% · 3.875%
HK$154,245
−HK$4,728/mo
Today · 4.125%
HK$158,973
baseline
▲ 0.50% · 4.625%
HK$168,646
+HK$9,673/mo
Deposit HK$14.06M · loan HK$32.80M · min. income ≈ HK$317,946/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,991,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,420
−HK$8,991/mo
▼ 0.25% · 3.875%
HK$170,883
−HK$4,528/mo
Today · 4.125%
HK$175,411
baseline
▲ 0.50% · 4.625%
HK$184,657
+HK$9,246/mo
Deposit HK$14.06M · loan HK$32.80M · min. income ≈ HK$350,822/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,991,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,333
−HK$12,061/mo
▼ 0.25% · 3.875%
HK$198,316
−HK$6,078/mo
Today · 4.125%
HK$204,394
baseline
▲ 0.50% · 4.625%
HK$216,831
+HK$12,437/mo
Deposit HK$4.69M · loan HK$42.17M · min. income ≈ HK$408,788/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,991,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,969
−HK$11,560/mo
▼ 0.25% · 3.875%
HK$219,707
−HK$5,822/mo
Today · 4.125%
HK$225,529
baseline
▲ 0.50% · 4.625%
HK$237,416
+HK$11,887/mo
Deposit HK$4.69M · loan HK$42.17M · min. income ≈ HK$451,058/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,991,529 · Scale 2, in force from 26 Feb 2026)