LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,699
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,893
−HK$3,246/mo
Today · 4.125%
HK$109,139
baseline
▲ 0.50% · 4.625%
HK$115,779
+HK$6,640/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,278/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,251
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,315
−HK$3,109/mo
Today · 4.125%
HK$120,424
baseline
▲ 0.50% · 4.625%
HK$126,771
+HK$6,347/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,848/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,238
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,072
−HK$3,894/mo
Today · 4.125%
HK$130,966
baseline
▲ 0.50% · 4.625%
HK$138,935
+HK$7,969/mo
Deposit HK$18.02M · loan HK$27.02M · min. income ≈ HK$261,932/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,101
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,778
−HK$3,730/mo
Today · 4.125%
HK$144,508
baseline
▲ 0.50% · 4.625%
HK$152,126
+HK$7,618/mo
Deposit HK$18.02M · loan HK$27.02M · min. income ≈ HK$289,016/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,778
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$148,250
−HK$4,544/mo
Today · 4.125%
HK$152,794
baseline
▲ 0.50% · 4.625%
HK$162,091
+HK$9,297/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$305,588/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,952
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$164,241
−HK$4,352/mo
Today · 4.125%
HK$168,593
baseline
▲ 0.50% · 4.625%
HK$177,480
+HK$8,887/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$337,186/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,857
−HK$11,593/mo
▼ 0.25% · 3.875%
HK$190,608
−HK$5,842/mo
Today · 4.125%
HK$196,450
baseline
▲ 0.50% · 4.625%
HK$208,403
+HK$11,953/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$392,900/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,652
−HK$11,111/mo
▼ 0.25% · 3.875%
HK$211,167
−HK$5,596/mo
Today · 4.125%
HK$216,763
baseline
▲ 0.50% · 4.625%
HK$228,189
+HK$11,426/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$433,526/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,122 · Scale 2, in force from 26 Feb 2026)