LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,781
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,978
−HK$3,248/mo
Today · 4.125%
HK$109,226
baseline
▲ 0.50% · 4.625%
HK$115,873
+HK$6,647/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$218,452/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,343
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,410
−HK$3,111/mo
Today · 4.125%
HK$120,521
baseline
▲ 0.50% · 4.625%
HK$126,873
+HK$6,352/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$241,042/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,337
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$127,174
−HK$3,898/mo
Today · 4.125%
HK$131,072
baseline
▲ 0.50% · 4.625%
HK$139,047
+HK$7,975/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$262,144/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,212
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,892
−HK$3,733/mo
Today · 4.125%
HK$144,625
baseline
▲ 0.50% · 4.625%
HK$152,248
+HK$7,623/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$289,250/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,894
−HK$9,023/mo
▼ 0.25% · 3.875%
HK$148,370
−HK$4,547/mo
Today · 4.125%
HK$152,917
baseline
▲ 0.50% · 4.625%
HK$162,222
+HK$9,305/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$305,834/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,080
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$164,373
−HK$4,356/mo
Today · 4.125%
HK$168,729
baseline
▲ 0.50% · 4.625%
HK$177,623
+HK$8,894/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$337,458/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,006
−HK$11,602/mo
▼ 0.25% · 3.875%
HK$190,761
−HK$5,847/mo
Today · 4.125%
HK$196,608
baseline
▲ 0.50% · 4.625%
HK$208,571
+HK$11,963/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$393,216/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,817
−HK$11,120/mo
▼ 0.25% · 3.875%
HK$211,337
−HK$5,600/mo
Today · 4.125%
HK$216,937
baseline
▲ 0.50% · 4.625%
HK$228,372
+HK$11,435/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$433,874/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,662 · Scale 2, in force from 26 Feb 2026)