LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,349
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,533
−HK$3,234/mo
Today · 4.125%
HK$108,767
baseline
▲ 0.50% · 4.625%
HK$115,385
+HK$6,618/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$217,534/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,862
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,916
−HK$3,098/mo
Today · 4.125%
HK$120,014
baseline
▲ 0.50% · 4.625%
HK$126,340
+HK$6,326/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$240,028/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,819
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,639
−HK$3,882/mo
Today · 4.125%
HK$130,521
baseline
▲ 0.50% · 4.625%
HK$138,462
+HK$7,941/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$261,042/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,635
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,299
−HK$3,717/mo
Today · 4.125%
HK$144,016
baseline
▲ 0.50% · 4.625%
HK$151,608
+HK$7,592/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$288,032/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,288
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$147,746
−HK$4,528/mo
Today · 4.125%
HK$152,274
baseline
▲ 0.50% · 4.625%
HK$161,539
+HK$9,265/mo
Deposit HK$13.47M · loan HK$31.42M · min. income ≈ HK$304,548/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,407
−HK$8,612/mo
▼ 0.25% · 3.875%
HK$163,682
−HK$4,337/mo
Today · 4.125%
HK$168,019
baseline
▲ 0.50% · 4.625%
HK$176,876
+HK$8,857/mo
Deposit HK$13.47M · loan HK$31.42M · min. income ≈ HK$336,038/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,228
−HK$11,553/mo
▼ 0.25% · 3.875%
HK$189,959
−HK$5,822/mo
Today · 4.125%
HK$195,781
baseline
▲ 0.50% · 4.625%
HK$207,694
+HK$11,913/mo
Deposit HK$4.49M · loan HK$40.40M · min. income ≈ HK$391,562/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,952
−HK$11,073/mo
▼ 0.25% · 3.875%
HK$210,449
−HK$5,576/mo
Today · 4.125%
HK$216,025
baseline
▲ 0.50% · 4.625%
HK$227,412
+HK$11,387/mo
Deposit HK$4.49M · loan HK$40.40M · min. income ≈ HK$432,050/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,605 · Scale 2, in force from 26 Feb 2026)