LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,768
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,965
−HK$3,248/mo
Today · 4.125%
HK$109,213
baseline
▲ 0.50% · 4.625%
HK$115,858
+HK$6,645/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$218,426/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,329
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,395
−HK$3,111/mo
Today · 4.125%
HK$120,506
baseline
▲ 0.50% · 4.625%
HK$126,858
+HK$6,352/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$241,012/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,322
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,158
−HK$3,898/mo
Today · 4.125%
HK$131,056
baseline
▲ 0.50% · 4.625%
HK$139,030
+HK$7,974/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$262,112/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,195
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,874
−HK$3,733/mo
Today · 4.125%
HK$144,607
baseline
▲ 0.50% · 4.625%
HK$152,229
+HK$7,622/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$289,214/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,876
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$148,351
−HK$4,547/mo
Today · 4.125%
HK$152,898
baseline
▲ 0.50% · 4.625%
HK$162,202
+HK$9,304/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$305,796/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,060
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$164,353
−HK$4,355/mo
Today · 4.125%
HK$168,708
baseline
▲ 0.50% · 4.625%
HK$177,601
+HK$8,893/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$337,416/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,983
−HK$11,600/mo
▼ 0.25% · 3.875%
HK$190,737
−HK$5,846/mo
Today · 4.125%
HK$196,583
baseline
▲ 0.50% · 4.625%
HK$208,545
+HK$11,962/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$393,166/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,792
−HK$11,118/mo
▼ 0.25% · 3.875%
HK$211,311
−HK$5,599/mo
Today · 4.125%
HK$216,910
baseline
▲ 0.50% · 4.625%
HK$228,344
+HK$11,434/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$433,820/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,426 · Scale 2, in force from 26 Feb 2026)