LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,366
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,550
−HK$3,235/mo
Today · 4.125%
HK$108,785
baseline
▲ 0.50% · 4.625%
HK$115,404
+HK$6,619/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$217,570/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,881
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,935
−HK$3,098/mo
Today · 4.125%
HK$120,033
baseline
▲ 0.50% · 4.625%
HK$126,361
+HK$6,328/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$240,066/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,839
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,660
−HK$3,882/mo
Today · 4.125%
HK$130,542
baseline
▲ 0.50% · 4.625%
HK$138,485
+HK$7,943/mo
Deposit HK$17.96M · loan HK$26.94M · min. income ≈ HK$261,084/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,657
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$140,322
−HK$3,718/mo
Today · 4.125%
HK$144,040
baseline
▲ 0.50% · 4.625%
HK$151,633
+HK$7,593/mo
Deposit HK$17.96M · loan HK$26.94M · min. income ≈ HK$288,080/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,312
−HK$8,987/mo
▼ 0.25% · 3.875%
HK$147,770
−HK$4,529/mo
Today · 4.125%
HK$152,299
baseline
▲ 0.50% · 4.625%
HK$161,566
+HK$9,267/mo
Deposit HK$13.47M · loan HK$31.42M · min. income ≈ HK$304,598/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,907,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,433
−HK$8,614/mo
▼ 0.25% · 3.875%
HK$163,709
−HK$4,338/mo
Today · 4.125%
HK$168,047
baseline
▲ 0.50% · 4.625%
HK$176,905
+HK$8,858/mo
Deposit HK$13.47M · loan HK$31.42M · min. income ≈ HK$336,094/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,907,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,258
−HK$11,555/mo
▼ 0.25% · 3.875%
HK$189,990
−HK$5,823/mo
Today · 4.125%
HK$195,813
baseline
▲ 0.50% · 4.625%
HK$207,728
+HK$11,915/mo
Deposit HK$4.49M · loan HK$40.40M · min. income ≈ HK$391,626/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,985
−HK$11,075/mo
▼ 0.25% · 3.875%
HK$210,483
−HK$5,577/mo
Today · 4.125%
HK$216,060
baseline
▲ 0.50% · 4.625%
HK$227,449
+HK$11,389/mo
Deposit HK$4.49M · loan HK$40.40M · min. income ≈ HK$432,120/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,918 · Scale 2, in force from 26 Feb 2026)