LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,763
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,960
−HK$3,247/mo
Today · 4.125%
HK$109,207
baseline
▲ 0.50% · 4.625%
HK$115,852
+HK$6,645/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$218,414/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,323
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,389
−HK$3,111/mo
Today · 4.125%
HK$120,500
baseline
▲ 0.50% · 4.625%
HK$126,851
+HK$6,351/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$241,000/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,316
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,152
−HK$3,897/mo
Today · 4.125%
HK$131,049
baseline
▲ 0.50% · 4.625%
HK$139,023
+HK$7,974/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$262,098/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,188
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,867
−HK$3,732/mo
Today · 4.125%
HK$144,599
baseline
▲ 0.50% · 4.625%
HK$152,221
+HK$7,622/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$289,198/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,868
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$148,344
−HK$4,546/mo
Today · 4.125%
HK$152,890
baseline
▲ 0.50% · 4.625%
HK$162,193
+HK$9,303/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$305,780/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,052
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$164,345
−HK$4,354/mo
Today · 4.125%
HK$168,699
baseline
▲ 0.50% · 4.625%
HK$177,592
+HK$8,893/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$337,398/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,974
−HK$11,599/mo
▼ 0.25% · 3.875%
HK$190,727
−HK$5,846/mo
Today · 4.125%
HK$196,573
baseline
▲ 0.50% · 4.625%
HK$208,534
+HK$11,961/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$393,146/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,781
−HK$11,118/mo
▼ 0.25% · 3.875%
HK$211,300
−HK$5,599/mo
Today · 4.125%
HK$216,899
baseline
▲ 0.50% · 4.625%
HK$228,332
+HK$11,433/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$433,798/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,327 · Scale 2, in force from 26 Feb 2026)