LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,725
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,920
−HK$3,247/mo
Today · 4.125%
HK$109,167
baseline
▲ 0.50% · 4.625%
HK$115,809
+HK$6,642/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,334/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,280
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,345
−HK$3,110/mo
Today · 4.125%
HK$120,455
baseline
▲ 0.50% · 4.625%
HK$126,804
+HK$6,349/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,910/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,270
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$127,104
−HK$3,896/mo
Today · 4.125%
HK$131,000
baseline
▲ 0.50% · 4.625%
HK$138,971
+HK$7,971/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$262,000/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,136
−HK$7,409/mo
▼ 0.25% · 3.875%
HK$140,814
−HK$3,731/mo
Today · 4.125%
HK$144,545
baseline
▲ 0.50% · 4.625%
HK$152,165
+HK$7,620/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$289,090/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,815
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$148,288
−HK$4,545/mo
Today · 4.125%
HK$152,833
baseline
▲ 0.50% · 4.625%
HK$162,133
+HK$9,300/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$305,666/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,993
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$164,283
−HK$4,353/mo
Today · 4.125%
HK$168,636
baseline
▲ 0.50% · 4.625%
HK$177,525
+HK$8,889/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$337,272/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,905
−HK$11,595/mo
▼ 0.25% · 3.875%
HK$190,656
−HK$5,844/mo
Today · 4.125%
HK$196,500
baseline
▲ 0.50% · 4.625%
HK$208,456
+HK$11,956/mo
Deposit HK$4.50M · loan HK$40.54M · min. income ≈ HK$393,000/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,705
−HK$11,113/mo
▼ 0.25% · 3.875%
HK$211,222
−HK$5,596/mo
Today · 4.125%
HK$216,818
baseline
▲ 0.50% · 4.625%
HK$228,247
+HK$11,429/mo
Deposit HK$4.50M · loan HK$40.54M · min. income ≈ HK$433,636/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,612 · Scale 2, in force from 26 Feb 2026)