LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,375
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,559
−HK$3,235/mo
Today · 4.125%
HK$108,794
baseline
▲ 0.50% · 4.625%
HK$115,414
+HK$6,620/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$217,588/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$1,908,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,891
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,945
−HK$3,099/mo
Today · 4.125%
HK$120,044
baseline
▲ 0.50% · 4.625%
HK$126,372
+HK$6,328/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$240,088/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$1,908,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,850
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,671
−HK$3,882/mo
Today · 4.125%
HK$130,553
baseline
▲ 0.50% · 4.625%
HK$138,497
+HK$7,944/mo
Deposit HK$17.96M · loan HK$26.94M · min. income ≈ HK$261,106/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,908,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,669
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$140,334
−HK$3,719/mo
Today · 4.125%
HK$144,053
baseline
▲ 0.50% · 4.625%
HK$151,646
+HK$7,593/mo
Deposit HK$17.96M · loan HK$26.94M · min. income ≈ HK$288,106/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,908,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,324
−HK$8,988/mo
▼ 0.25% · 3.875%
HK$147,783
−HK$4,529/mo
Today · 4.125%
HK$152,312
baseline
▲ 0.50% · 4.625%
HK$161,580
+HK$9,268/mo
Deposit HK$13.47M · loan HK$31.43M · min. income ≈ HK$304,624/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,447
−HK$8,614/mo
▼ 0.25% · 3.875%
HK$163,723
−HK$4,338/mo
Today · 4.125%
HK$168,061
baseline
▲ 0.50% · 4.625%
HK$176,920
+HK$8,859/mo
Deposit HK$13.47M · loan HK$31.43M · min. income ≈ HK$336,122/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,274
−HK$11,556/mo
▼ 0.25% · 3.875%
HK$190,006
−HK$5,824/mo
Today · 4.125%
HK$195,830
baseline
▲ 0.50% · 4.625%
HK$207,746
+HK$11,916/mo
Deposit HK$4.49M · loan HK$40.41M · min. income ≈ HK$391,660/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,003
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$210,501
−HK$5,578/mo
Today · 4.125%
HK$216,079
baseline
▲ 0.50% · 4.625%
HK$227,469
+HK$11,390/mo
Deposit HK$4.49M · loan HK$40.41M · min. income ≈ HK$432,158/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,085 · Scale 2, in force from 26 Feb 2026)