LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,691
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,885
−HK$3,245/mo
Today · 4.125%
HK$109,130
baseline
▲ 0.50% · 4.625%
HK$115,771
+HK$6,641/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,260/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,913,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,242
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,306
−HK$3,109/mo
Today · 4.125%
HK$120,415
baseline
▲ 0.50% · 4.625%
HK$126,762
+HK$6,347/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,830/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,913,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,229
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,062
−HK$3,895/mo
Today · 4.125%
HK$130,957
baseline
▲ 0.50% · 4.625%
HK$138,925
+HK$7,968/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$261,914/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,913,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,091
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,768
−HK$3,730/mo
Today · 4.125%
HK$144,498
baseline
▲ 0.50% · 4.625%
HK$152,114
+HK$7,616/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$288,996/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,913,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,767
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$148,239
−HK$4,544/mo
Today · 4.125%
HK$152,783
baseline
▲ 0.50% · 4.625%
HK$162,079
+HK$9,296/mo
Deposit HK$13.51M · loan HK$31.52M · min. income ≈ HK$305,566/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,913,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,939
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$164,229
−HK$4,352/mo
Today · 4.125%
HK$168,581
baseline
▲ 0.50% · 4.625%
HK$177,467
+HK$8,886/mo
Deposit HK$13.51M · loan HK$31.52M · min. income ≈ HK$337,162/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,913,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,843
−HK$11,592/mo
▼ 0.25% · 3.875%
HK$190,593
−HK$5,842/mo
Today · 4.125%
HK$196,435
baseline
▲ 0.50% · 4.625%
HK$208,387
+HK$11,952/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$392,870/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,913,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,636
−HK$11,110/mo
▼ 0.25% · 3.875%
HK$211,152
−HK$5,594/mo
Today · 4.125%
HK$216,746
baseline
▲ 0.50% · 4.625%
HK$228,171
+HK$11,425/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$433,492/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,913,978 · Scale 2, in force from 26 Feb 2026)