LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,190
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,369
−HK$3,230/mo
Today · 4.125%
HK$108,599
baseline
▲ 0.50% · 4.625%
HK$115,206
+HK$6,607/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$217,198/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,686
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,735
−HK$3,093/mo
Today · 4.125%
HK$119,828
baseline
▲ 0.50% · 4.625%
HK$126,144
+HK$6,316/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$239,656/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,628
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,443
−HK$3,875/mo
Today · 4.125%
HK$130,318
baseline
▲ 0.50% · 4.625%
HK$138,248
+HK$7,930/mo
Deposit HK$17.93M · loan HK$26.89M · min. income ≈ HK$260,636/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,423
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,082
−HK$3,711/mo
Today · 4.125%
HK$143,793
baseline
▲ 0.50% · 4.625%
HK$151,373
+HK$7,580/mo
Deposit HK$17.93M · loan HK$26.89M · min. income ≈ HK$287,586/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,066
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$147,517
−HK$4,521/mo
Today · 4.125%
HK$152,038
baseline
▲ 0.50% · 4.625%
HK$161,289
+HK$9,251/mo
Deposit HK$13.44M · loan HK$31.37M · min. income ≈ HK$304,076/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,160
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$163,428
−HK$4,331/mo
Today · 4.125%
HK$167,759
baseline
▲ 0.50% · 4.625%
HK$176,602
+HK$8,843/mo
Deposit HK$13.44M · loan HK$31.37M · min. income ≈ HK$335,518/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,942
−HK$11,535/mo
▼ 0.25% · 3.875%
HK$189,664
−HK$5,813/mo
Today · 4.125%
HK$195,477
baseline
▲ 0.50% · 4.625%
HK$207,372
+HK$11,895/mo
Deposit HK$4.48M · loan HK$40.33M · min. income ≈ HK$390,954/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,904,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,634
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$210,122
−HK$5,568/mo
Today · 4.125%
HK$215,690
baseline
▲ 0.50% · 4.625%
HK$227,059
+HK$11,369/mo
Deposit HK$4.48M · loan HK$40.33M · min. income ≈ HK$431,380/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,904,649 · Scale 2, in force from 26 Feb 2026)