LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,710
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,905
−HK$3,245/mo
Today · 4.125%
HK$109,150
baseline
▲ 0.50% · 4.625%
HK$115,792
+HK$6,642/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,300/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,263
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,328
−HK$3,109/mo
Today · 4.125%
HK$120,437
baseline
▲ 0.50% · 4.625%
HK$126,785
+HK$6,348/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,874/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,252
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$127,085
−HK$3,896/mo
Today · 4.125%
HK$130,981
baseline
▲ 0.50% · 4.625%
HK$138,950
+HK$7,969/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$261,962/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,116
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,794
−HK$3,730/mo
Today · 4.125%
HK$144,524
baseline
▲ 0.50% · 4.625%
HK$152,142
+HK$7,618/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$289,048/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,794
−HK$9,017/mo
▼ 0.25% · 3.875%
HK$148,266
−HK$4,545/mo
Today · 4.125%
HK$152,811
baseline
▲ 0.50% · 4.625%
HK$162,109
+HK$9,298/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$305,622/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,969
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$164,259
−HK$4,352/mo
Today · 4.125%
HK$168,611
baseline
▲ 0.50% · 4.625%
HK$177,499
+HK$8,888/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$337,222/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,877
−HK$11,594/mo
▼ 0.25% · 3.875%
HK$190,628
−HK$5,843/mo
Today · 4.125%
HK$196,471
baseline
▲ 0.50% · 4.625%
HK$208,426
+HK$11,955/mo
Deposit HK$4.50M · loan HK$40.54M · min. income ≈ HK$392,942/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,674
−HK$11,112/mo
▼ 0.25% · 3.875%
HK$211,190
−HK$5,596/mo
Today · 4.125%
HK$216,786
baseline
▲ 0.50% · 4.625%
HK$228,213
+HK$11,427/mo
Deposit HK$4.50M · loan HK$40.54M · min. income ≈ HK$433,572/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,329 · Scale 2, in force from 26 Feb 2026)