LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,740
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,935
−HK$3,247/mo
Today · 4.125%
HK$109,182
baseline
▲ 0.50% · 4.625%
HK$115,826
+HK$6,644/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$218,364/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,297
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,362
−HK$3,110/mo
Today · 4.125%
HK$120,472
baseline
▲ 0.50% · 4.625%
HK$126,822
+HK$6,350/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$240,944/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,288
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$127,122
−HK$3,897/mo
Today · 4.125%
HK$131,019
baseline
▲ 0.50% · 4.625%
HK$138,991
+HK$7,972/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$262,038/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,914,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,156
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,835
−HK$3,731/mo
Today · 4.125%
HK$144,566
baseline
▲ 0.50% · 4.625%
HK$152,187
+HK$7,621/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$289,132/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,914,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,835
−HK$9,020/mo
▼ 0.25% · 3.875%
HK$148,310
−HK$4,545/mo
Today · 4.125%
HK$152,855
baseline
▲ 0.50% · 4.625%
HK$162,156
+HK$9,301/mo
Deposit HK$13.52M · loan HK$31.54M · min. income ≈ HK$305,710/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,015
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$164,307
−HK$4,354/mo
Today · 4.125%
HK$168,661
baseline
▲ 0.50% · 4.625%
HK$177,551
+HK$8,890/mo
Deposit HK$13.52M · loan HK$31.54M · min. income ≈ HK$337,322/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,931
−HK$11,597/mo
▼ 0.25% · 3.875%
HK$190,684
−HK$5,844/mo
Today · 4.125%
HK$196,528
baseline
▲ 0.50% · 4.625%
HK$208,486
+HK$11,958/mo
Deposit HK$4.51M · loan HK$40.55M · min. income ≈ HK$393,056/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,734
−HK$11,115/mo
▼ 0.25% · 3.875%
HK$211,252
−HK$5,597/mo
Today · 4.125%
HK$216,849
baseline
▲ 0.50% · 4.625%
HK$228,280
+HK$11,431/mo
Deposit HK$4.51M · loan HK$40.55M · min. income ≈ HK$433,698/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,887 · Scale 2, in force from 26 Feb 2026)