LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,715
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,910
−HK$3,246/mo
Today · 4.125%
HK$109,156
baseline
▲ 0.50% · 4.625%
HK$115,798
+HK$6,642/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,312/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,270
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,334
−HK$3,109/mo
Today · 4.125%
HK$120,443
baseline
▲ 0.50% · 4.625%
HK$126,792
+HK$6,349/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,886/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,258
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$127,092
−HK$3,896/mo
Today · 4.125%
HK$130,988
baseline
▲ 0.50% · 4.625%
HK$138,958
+HK$7,970/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$261,976/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,124
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,801
−HK$3,731/mo
Today · 4.125%
HK$144,532
baseline
▲ 0.50% · 4.625%
HK$152,150
+HK$7,618/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$289,064/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,801
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$148,274
−HK$4,545/mo
Today · 4.125%
HK$152,819
baseline
▲ 0.50% · 4.625%
HK$162,118
+HK$9,299/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$305,638/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,978
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$164,268
−HK$4,353/mo
Today · 4.125%
HK$168,621
baseline
▲ 0.50% · 4.625%
HK$177,509
+HK$8,888/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$337,242/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,887
−HK$11,595/mo
▼ 0.25% · 3.875%
HK$190,639
−HK$5,843/mo
Today · 4.125%
HK$196,482
baseline
▲ 0.50% · 4.625%
HK$208,437
+HK$11,955/mo
Deposit HK$4.50M · loan HK$40.54M · min. income ≈ HK$392,964/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,685
−HK$11,113/mo
▼ 0.25% · 3.875%
HK$211,202
−HK$5,596/mo
Today · 4.125%
HK$216,798
baseline
▲ 0.50% · 4.625%
HK$228,226
+HK$11,428/mo
Deposit HK$4.50M · loan HK$40.54M · min. income ≈ HK$433,596/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,434 · Scale 2, in force from 26 Feb 2026)