LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,344
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,528
−HK$3,234/mo
Today · 4.125%
HK$108,762
baseline
▲ 0.50% · 4.625%
HK$115,380
+HK$6,618/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$217,524/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,857
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,911
−HK$3,097/mo
Today · 4.125%
HK$120,008
baseline
▲ 0.50% · 4.625%
HK$126,334
+HK$6,326/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$240,016/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,813
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,633
−HK$3,882/mo
Today · 4.125%
HK$130,515
baseline
▲ 0.50% · 4.625%
HK$138,456
+HK$7,941/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$261,030/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,628
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,293
−HK$3,717/mo
Today · 4.125%
HK$144,010
baseline
▲ 0.50% · 4.625%
HK$151,601
+HK$7,591/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$288,020/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,282
−HK$8,985/mo
▼ 0.25% · 3.875%
HK$147,739
−HK$4,528/mo
Today · 4.125%
HK$152,267
baseline
▲ 0.50% · 4.625%
HK$161,532
+HK$9,265/mo
Deposit HK$13.46M · loan HK$31.42M · min. income ≈ HK$304,534/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,400
−HK$8,612/mo
▼ 0.25% · 3.875%
HK$163,675
−HK$4,337/mo
Today · 4.125%
HK$168,012
baseline
▲ 0.50% · 4.625%
HK$176,868
+HK$8,856/mo
Deposit HK$13.46M · loan HK$31.42M · min. income ≈ HK$336,024/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,220
−HK$11,552/mo
▼ 0.25% · 3.875%
HK$189,950
−HK$5,822/mo
Today · 4.125%
HK$195,772
baseline
▲ 0.50% · 4.625%
HK$207,684
+HK$11,912/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$391,544/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,943
−HK$11,072/mo
▼ 0.25% · 3.875%
HK$210,439
−HK$5,576/mo
Today · 4.125%
HK$216,015
baseline
▲ 0.50% · 4.625%
HK$227,402
+HK$11,387/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$432,030/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,520 · Scale 2, in force from 26 Feb 2026)