LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,423
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,609
−HK$3,237/mo
Today · 4.125%
HK$108,846
baseline
▲ 0.50% · 4.625%
HK$115,469
+HK$6,623/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$217,692/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$1,908,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,945
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$117,001
−HK$3,100/mo
Today · 4.125%
HK$120,101
baseline
▲ 0.50% · 4.625%
HK$126,432
+HK$6,331/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$240,202/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$1,908,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,908
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$126,731
−HK$3,884/mo
Today · 4.125%
HK$130,615
baseline
▲ 0.50% · 4.625%
HK$138,563
+HK$7,948/mo
Deposit HK$17.97M · loan HK$26.95M · min. income ≈ HK$261,230/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,908,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,734
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$140,401
−HK$3,720/mo
Today · 4.125%
HK$144,121
baseline
▲ 0.50% · 4.625%
HK$151,718
+HK$7,597/mo
Deposit HK$17.97M · loan HK$26.95M · min. income ≈ HK$288,242/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,908,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,393
−HK$8,991/mo
▼ 0.25% · 3.875%
HK$147,853
−HK$4,531/mo
Today · 4.125%
HK$152,384
baseline
▲ 0.50% · 4.625%
HK$161,657
+HK$9,273/mo
Deposit HK$13.48M · loan HK$31.44M · min. income ≈ HK$304,768/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,523
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$163,801
−HK$4,340/mo
Today · 4.125%
HK$168,141
baseline
▲ 0.50% · 4.625%
HK$177,004
+HK$8,863/mo
Deposit HK$13.48M · loan HK$31.44M · min. income ≈ HK$336,282/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,362
−HK$11,561/mo
▼ 0.25% · 3.875%
HK$190,097
−HK$5,826/mo
Today · 4.125%
HK$195,923
baseline
▲ 0.50% · 4.625%
HK$207,844
+HK$11,921/mo
Deposit HK$4.49M · loan HK$40.43M · min. income ≈ HK$391,846/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,101
−HK$11,081/mo
▼ 0.25% · 3.875%
HK$210,601
−HK$5,581/mo
Today · 4.125%
HK$216,182
baseline
▲ 0.50% · 4.625%
HK$227,577
+HK$11,395/mo
Deposit HK$4.49M · loan HK$40.43M · min. income ≈ HK$432,364/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,991 · Scale 2, in force from 26 Feb 2026)