LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,135
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,312
−HK$3,228/mo
Today · 4.125%
HK$108,540
baseline
▲ 0.50% · 4.625%
HK$115,144
+HK$6,604/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$217,080/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,624
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,671
−HK$3,092/mo
Today · 4.125%
HK$119,763
baseline
▲ 0.50% · 4.625%
HK$126,076
+HK$6,313/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$239,526/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,562
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$126,374
−HK$3,874/mo
Today · 4.125%
HK$130,248
baseline
▲ 0.50% · 4.625%
HK$138,173
+HK$7,925/mo
Deposit HK$17.92M · loan HK$26.87M · min. income ≈ HK$260,496/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,349
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$140,006
−HK$3,709/mo
Today · 4.125%
HK$143,715
baseline
▲ 0.50% · 4.625%
HK$151,291
+HK$7,576/mo
Deposit HK$17.92M · loan HK$26.87M · min. income ≈ HK$287,430/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,989
−HK$8,967/mo
▼ 0.25% · 3.875%
HK$147,437
−HK$4,519/mo
Today · 4.125%
HK$151,956
baseline
▲ 0.50% · 4.625%
HK$161,202
+HK$9,246/mo
Deposit HK$13.44M · loan HK$31.35M · min. income ≈ HK$303,912/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,074
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$163,340
−HK$4,328/mo
Today · 4.125%
HK$167,668
baseline
▲ 0.50% · 4.625%
HK$176,506
+HK$8,838/mo
Deposit HK$13.44M · loan HK$31.35M · min. income ≈ HK$335,336/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,843
−HK$11,528/mo
▼ 0.25% · 3.875%
HK$189,561
−HK$5,810/mo
Today · 4.125%
HK$195,371
baseline
▲ 0.50% · 4.625%
HK$207,259
+HK$11,888/mo
Deposit HK$4.48M · loan HK$40.31M · min. income ≈ HK$390,742/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,523
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$210,009
−HK$5,564/mo
Today · 4.125%
HK$215,573
baseline
▲ 0.50% · 4.625%
HK$226,936
+HK$11,363/mo
Deposit HK$4.48M · loan HK$40.31M · min. income ≈ HK$431,146/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,618 · Scale 2, in force from 26 Feb 2026)