LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,227
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,407
−HK$3,231/mo
Today · 4.125%
HK$108,638
baseline
▲ 0.50% · 4.625%
HK$115,248
+HK$6,610/mo
Deposit HK$22.42M · loan HK$22.42M · min. income ≈ HK$217,276/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$1,905,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,727
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,777
−HK$3,094/mo
Today · 4.125%
HK$119,871
baseline
▲ 0.50% · 4.625%
HK$126,190
+HK$6,319/mo
Deposit HK$22.42M · loan HK$22.42M · min. income ≈ HK$239,742/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$1,905,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,673
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$126,488
−HK$3,877/mo
Today · 4.125%
HK$130,365
baseline
▲ 0.50% · 4.625%
HK$138,298
+HK$7,933/mo
Deposit HK$17.93M · loan HK$26.90M · min. income ≈ HK$260,730/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,905,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,472
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$140,132
−HK$3,713/mo
Today · 4.125%
HK$143,845
baseline
▲ 0.50% · 4.625%
HK$151,427
+HK$7,582/mo
Deposit HK$17.93M · loan HK$26.90M · min. income ≈ HK$287,690/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,905,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,118
−HK$8,975/mo
▼ 0.25% · 3.875%
HK$147,570
−HK$4,523/mo
Today · 4.125%
HK$152,093
baseline
▲ 0.50% · 4.625%
HK$161,347
+HK$9,254/mo
Deposit HK$13.45M · loan HK$31.38M · min. income ≈ HK$304,186/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,905,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,217
−HK$8,602/mo
▼ 0.25% · 3.875%
HK$163,488
−HK$4,331/mo
Today · 4.125%
HK$167,819
baseline
▲ 0.50% · 4.625%
HK$176,665
+HK$8,846/mo
Deposit HK$13.45M · loan HK$31.38M · min. income ≈ HK$335,638/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,905,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,009
−HK$11,539/mo
▼ 0.25% · 3.875%
HK$189,733
−HK$5,815/mo
Today · 4.125%
HK$195,548
baseline
▲ 0.50% · 4.625%
HK$207,447
+HK$11,899/mo
Deposit HK$4.48M · loan HK$40.35M · min. income ≈ HK$391,096/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,905,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,708
−HK$11,060/mo
▼ 0.25% · 3.875%
HK$210,198
−HK$5,570/mo
Today · 4.125%
HK$215,768
baseline
▲ 0.50% · 4.625%
HK$227,141
+HK$11,373/mo
Deposit HK$4.48M · loan HK$40.35M · min. income ≈ HK$431,536/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,905,337 · Scale 2, in force from 26 Feb 2026)