LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,776
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,973
−HK$3,248/mo
Today · 4.125%
HK$109,221
baseline
▲ 0.50% · 4.625%
HK$115,867
+HK$6,646/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$218,442/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,337
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,404
−HK$3,111/mo
Today · 4.125%
HK$120,515
baseline
▲ 0.50% · 4.625%
HK$126,867
+HK$6,352/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$241,030/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,331
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,167
−HK$3,898/mo
Today · 4.125%
HK$131,065
baseline
▲ 0.50% · 4.625%
HK$139,040
+HK$7,975/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$262,130/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,205
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,884
−HK$3,733/mo
Today · 4.125%
HK$144,617
baseline
▲ 0.50% · 4.625%
HK$152,240
+HK$7,623/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$289,234/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,886
−HK$9,023/mo
▼ 0.25% · 3.875%
HK$148,362
−HK$4,547/mo
Today · 4.125%
HK$152,909
baseline
▲ 0.50% · 4.625%
HK$162,213
+HK$9,304/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$305,818/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,072
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$164,365
−HK$4,355/mo
Today · 4.125%
HK$168,720
baseline
▲ 0.50% · 4.625%
HK$177,614
+HK$8,894/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$337,440/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,997
−HK$11,601/mo
▼ 0.25% · 3.875%
HK$190,751
−HK$5,847/mo
Today · 4.125%
HK$196,598
baseline
▲ 0.50% · 4.625%
HK$208,560
+HK$11,962/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$393,196/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,807
−HK$11,119/mo
▼ 0.25% · 3.875%
HK$211,327
−HK$5,599/mo
Today · 4.125%
HK$216,926
baseline
▲ 0.50% · 4.625%
HK$228,361
+HK$11,435/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$433,852/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,565 · Scale 2, in force from 26 Feb 2026)