LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,784
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,981
−HK$3,248/mo
Today · 4.125%
HK$109,229
baseline
▲ 0.50% · 4.625%
HK$115,876
+HK$6,647/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$218,458/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,346
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,413
−HK$3,111/mo
Today · 4.125%
HK$120,524
baseline
▲ 0.50% · 4.625%
HK$126,877
+HK$6,353/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$241,048/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,341
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,177
−HK$3,898/mo
Today · 4.125%
HK$131,075
baseline
▲ 0.50% · 4.625%
HK$139,051
+HK$7,976/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$262,150/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,215
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$140,895
−HK$3,734/mo
Today · 4.125%
HK$144,629
baseline
▲ 0.50% · 4.625%
HK$152,252
+HK$7,623/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$289,258/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,897
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$148,373
−HK$4,548/mo
Today · 4.125%
HK$152,921
baseline
▲ 0.50% · 4.625%
HK$162,226
+HK$9,305/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$305,842/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,084
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$164,378
−HK$4,355/mo
Today · 4.125%
HK$168,733
baseline
▲ 0.50% · 4.625%
HK$177,627
+HK$8,894/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$337,466/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,011
−HK$11,602/mo
▼ 0.25% · 3.875%
HK$190,766
−HK$5,847/mo
Today · 4.125%
HK$196,613
baseline
▲ 0.50% · 4.625%
HK$208,576
+HK$11,963/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$393,226/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,823
−HK$11,120/mo
▼ 0.25% · 3.875%
HK$211,343
−HK$5,600/mo
Today · 4.125%
HK$216,943
baseline
▲ 0.50% · 4.625%
HK$228,378
+HK$11,435/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$433,886/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,713 · Scale 2, in force from 26 Feb 2026)