LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,741
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,937
−HK$3,247/mo
Today · 4.125%
HK$109,184
baseline
▲ 0.50% · 4.625%
HK$115,827
+HK$6,643/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$218,368/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,298
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,364
−HK$3,109/mo
Today · 4.125%
HK$120,473
baseline
▲ 0.50% · 4.625%
HK$126,824
+HK$6,351/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$240,946/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$1,914,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,289
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$127,124
−HK$3,896/mo
Today · 4.125%
HK$131,020
baseline
▲ 0.50% · 4.625%
HK$138,993
+HK$7,973/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$262,040/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,914,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,158
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,836
−HK$3,732/mo
Today · 4.125%
HK$144,568
baseline
▲ 0.50% · 4.625%
HK$152,188
+HK$7,620/mo
Deposit HK$18.02M · loan HK$27.03M · min. income ≈ HK$289,136/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,914,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,837
−HK$9,020/mo
▼ 0.25% · 3.875%
HK$148,311
−HK$4,546/mo
Today · 4.125%
HK$152,857
baseline
▲ 0.50% · 4.625%
HK$162,158
+HK$9,301/mo
Deposit HK$13.52M · loan HK$31.54M · min. income ≈ HK$305,714/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,017
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$164,309
−HK$4,354/mo
Today · 4.125%
HK$168,663
baseline
▲ 0.50% · 4.625%
HK$177,553
+HK$8,890/mo
Deposit HK$13.52M · loan HK$31.54M · min. income ≈ HK$337,326/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,933
−HK$11,597/mo
▼ 0.25% · 3.875%
HK$190,686
−HK$5,844/mo
Today · 4.125%
HK$196,530
baseline
▲ 0.50% · 4.625%
HK$208,489
+HK$11,959/mo
Deposit HK$4.51M · loan HK$40.55M · min. income ≈ HK$393,060/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,737
−HK$11,115/mo
▼ 0.25% · 3.875%
HK$211,254
−HK$5,598/mo
Today · 4.125%
HK$216,852
baseline
▲ 0.50% · 4.625%
HK$228,282
+HK$11,430/mo
Deposit HK$4.51M · loan HK$40.55M · min. income ≈ HK$433,704/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,909 · Scale 2, in force from 26 Feb 2026)