LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,809
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,007
−HK$3,250/mo
Today · 4.125%
HK$109,257
baseline
▲ 0.50% · 4.625%
HK$115,905
+HK$6,648/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$218,514/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$1,916,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,375
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,442
−HK$3,112/mo
Today · 4.125%
HK$120,554
baseline
▲ 0.50% · 4.625%
HK$126,908
+HK$6,354/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$241,108/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$1,916,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,371
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$127,209
−HK$3,899/mo
Today · 4.125%
HK$131,108
baseline
▲ 0.50% · 4.625%
HK$139,085
+HK$7,977/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$262,216/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,916,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,249
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$140,930
−HK$3,735/mo
Today · 4.125%
HK$144,665
baseline
▲ 0.50% · 4.625%
HK$152,290
+HK$7,625/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$289,330/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,916,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,933
−HK$9,026/mo
▼ 0.25% · 3.875%
HK$148,410
−HK$4,549/mo
Today · 4.125%
HK$152,959
baseline
▲ 0.50% · 4.625%
HK$162,266
+HK$9,307/mo
Deposit HK$13.53M · loan HK$31.56M · min. income ≈ HK$305,918/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,916,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,124
−HK$8,651/mo
▼ 0.25% · 3.875%
HK$164,419
−HK$4,356/mo
Today · 4.125%
HK$168,775
baseline
▲ 0.50% · 4.625%
HK$177,672
+HK$8,897/mo
Deposit HK$13.53M · loan HK$31.56M · min. income ≈ HK$337,550/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,916,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,057
−HK$11,605/mo
▼ 0.25% · 3.875%
HK$190,813
−HK$5,849/mo
Today · 4.125%
HK$196,662
baseline
▲ 0.50% · 4.625%
HK$208,628
+HK$11,966/mo
Deposit HK$4.51M · loan HK$40.58M · min. income ≈ HK$393,324/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,916,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,874
−HK$11,123/mo
▼ 0.25% · 3.875%
HK$211,396
−HK$5,601/mo
Today · 4.125%
HK$216,997
baseline
▲ 0.50% · 4.625%
HK$228,435
+HK$11,438/mo
Deposit HK$4.51M · loan HK$40.58M · min. income ≈ HK$433,994/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,916,190 · Scale 2, in force from 26 Feb 2026)