LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,690
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,884
−HK$3,245/mo
Today · 4.125%
HK$109,129
baseline
▲ 0.50% · 4.625%
HK$115,769
+HK$6,640/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,258/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,913,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,241
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,305
−HK$3,108/mo
Today · 4.125%
HK$120,413
baseline
▲ 0.50% · 4.625%
HK$126,760
+HK$6,347/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,826/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,913,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,227
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,060
−HK$3,895/mo
Today · 4.125%
HK$130,955
baseline
▲ 0.50% · 4.625%
HK$138,923
+HK$7,968/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$261,910/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,913,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,089
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,766
−HK$3,730/mo
Today · 4.125%
HK$144,496
baseline
▲ 0.50% · 4.625%
HK$152,112
+HK$7,616/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$288,992/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,913,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,765
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$148,237
−HK$4,544/mo
Today · 4.125%
HK$152,781
baseline
▲ 0.50% · 4.625%
HK$162,077
+HK$9,296/mo
Deposit HK$13.51M · loan HK$31.52M · min. income ≈ HK$305,562/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,913,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,937
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$164,227
−HK$4,351/mo
Today · 4.125%
HK$168,578
baseline
▲ 0.50% · 4.625%
HK$177,464
+HK$8,886/mo
Deposit HK$13.51M · loan HK$31.52M · min. income ≈ HK$337,156/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,913,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,841
−HK$11,591/mo
▼ 0.25% · 3.875%
HK$190,591
−HK$5,841/mo
Today · 4.125%
HK$196,432
baseline
▲ 0.50% · 4.625%
HK$208,385
+HK$11,953/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$392,864/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,913,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,634
−HK$11,110/mo
▼ 0.25% · 3.875%
HK$211,149
−HK$5,595/mo
Today · 4.125%
HK$216,744
baseline
▲ 0.50% · 4.625%
HK$228,169
+HK$11,425/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$433,488/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,913,954 · Scale 2, in force from 26 Feb 2026)