LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,696
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,891
−HK$3,245/mo
Today · 4.125%
HK$109,136
baseline
▲ 0.50% · 4.625%
HK$115,777
+HK$6,641/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,272/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,249
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,313
−HK$3,108/mo
Today · 4.125%
HK$120,421
baseline
▲ 0.50% · 4.625%
HK$126,769
+HK$6,348/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,842/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,235
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,069
−HK$3,894/mo
Today · 4.125%
HK$130,963
baseline
▲ 0.50% · 4.625%
HK$138,932
+HK$7,969/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$261,926/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,098
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,775
−HK$3,730/mo
Today · 4.125%
HK$144,505
baseline
▲ 0.50% · 4.625%
HK$152,122
+HK$7,617/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$289,010/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,775
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$148,247
−HK$4,544/mo
Today · 4.125%
HK$152,791
baseline
▲ 0.50% · 4.625%
HK$162,088
+HK$9,297/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$305,582/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,948
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$164,238
−HK$4,351/mo
Today · 4.125%
HK$168,589
baseline
▲ 0.50% · 4.625%
HK$177,476
+HK$8,887/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$337,178/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,853
−HK$11,592/mo
▼ 0.25% · 3.875%
HK$190,603
−HK$5,842/mo
Today · 4.125%
HK$196,445
baseline
▲ 0.50% · 4.625%
HK$208,398
+HK$11,953/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$392,890/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,647
−HK$11,111/mo
▼ 0.25% · 3.875%
HK$211,163
−HK$5,595/mo
Today · 4.125%
HK$216,758
baseline
▲ 0.50% · 4.625%
HK$228,183
+HK$11,425/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$433,516/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,079 · Scale 2, in force from 26 Feb 2026)