LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,430
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,616
−HK$3,237/mo
Today · 4.125%
HK$108,853
baseline
▲ 0.50% · 4.625%
HK$115,477
+HK$6,624/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$217,706/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$1,909,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,953
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$117,009
−HK$3,100/mo
Today · 4.125%
HK$120,109
baseline
▲ 0.50% · 4.625%
HK$126,440
+HK$6,331/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$240,218/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$1,909,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,916
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$126,740
−HK$3,884/mo
Today · 4.125%
HK$130,624
baseline
▲ 0.50% · 4.625%
HK$138,572
+HK$7,948/mo
Deposit HK$17.97M · loan HK$26.95M · min. income ≈ HK$261,248/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,909,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,743
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,410
−HK$3,721/mo
Today · 4.125%
HK$144,131
baseline
▲ 0.50% · 4.625%
HK$151,728
+HK$7,597/mo
Deposit HK$17.97M · loan HK$26.95M · min. income ≈ HK$288,262/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,909,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,402
−HK$8,993/mo
▼ 0.25% · 3.875%
HK$147,863
−HK$4,532/mo
Today · 4.125%
HK$152,395
baseline
▲ 0.50% · 4.625%
HK$161,668
+HK$9,273/mo
Deposit HK$13.48M · loan HK$31.44M · min. income ≈ HK$304,790/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,909,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,534
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$163,812
−HK$4,341/mo
Today · 4.125%
HK$168,153
baseline
▲ 0.50% · 4.625%
HK$177,016
+HK$8,863/mo
Deposit HK$13.48M · loan HK$31.44M · min. income ≈ HK$336,306/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,909,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,374
−HK$11,562/mo
▼ 0.25% · 3.875%
HK$190,109
−HK$5,827/mo
Today · 4.125%
HK$195,936
baseline
▲ 0.50% · 4.625%
HK$207,859
+HK$11,923/mo
Deposit HK$4.49M · loan HK$40.43M · min. income ≈ HK$391,872/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,909,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,115
−HK$11,081/mo
▼ 0.25% · 3.875%
HK$210,616
−HK$5,580/mo
Today · 4.125%
HK$216,196
baseline
▲ 0.50% · 4.625%
HK$227,592
+HK$11,396/mo
Deposit HK$4.49M · loan HK$40.43M · min. income ≈ HK$432,392/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,909,121 · Scale 2, in force from 26 Feb 2026)