LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,777
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,973
−HK$3,249/mo
Today · 4.125%
HK$109,222
baseline
▲ 0.50% · 4.625%
HK$115,867
+HK$6,645/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$218,444/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,338
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,404
−HK$3,111/mo
Today · 4.125%
HK$120,515
baseline
▲ 0.50% · 4.625%
HK$126,868
+HK$6,353/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$1,915,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,332
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,168
−HK$3,898/mo
Today · 4.125%
HK$131,066
baseline
▲ 0.50% · 4.625%
HK$139,041
+HK$7,975/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$262,132/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,205
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,885
−HK$3,733/mo
Today · 4.125%
HK$144,618
baseline
▲ 0.50% · 4.625%
HK$152,241
+HK$7,623/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$289,236/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,887
−HK$9,023/mo
▼ 0.25% · 3.875%
HK$148,363
−HK$4,547/mo
Today · 4.125%
HK$152,910
baseline
▲ 0.50% · 4.625%
HK$162,214
+HK$9,304/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$305,820/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,073
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$164,366
−HK$4,355/mo
Today · 4.125%
HK$168,721
baseline
▲ 0.50% · 4.625%
HK$177,615
+HK$8,894/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$337,442/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,998
−HK$11,601/mo
▼ 0.25% · 3.875%
HK$190,752
−HK$5,847/mo
Today · 4.125%
HK$196,599
baseline
▲ 0.50% · 4.625%
HK$208,561
+HK$11,962/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$393,198/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,808
−HK$11,119/mo
▼ 0.25% · 3.875%
HK$211,328
−HK$5,599/mo
Today · 4.125%
HK$216,927
baseline
▲ 0.50% · 4.625%
HK$228,362
+HK$11,435/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$433,854/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,575 · Scale 2, in force from 26 Feb 2026)