LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,825
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,023
−HK$3,250/mo
Today · 4.125%
HK$109,273
baseline
▲ 0.50% · 4.625%
HK$115,922
+HK$6,649/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$218,546/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$1,916,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,392
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,460
−HK$3,112/mo
Today · 4.125%
HK$120,572
baseline
▲ 0.50% · 4.625%
HK$126,927
+HK$6,355/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$241,144/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$1,916,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,390
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$127,228
−HK$3,900/mo
Today · 4.125%
HK$131,128
baseline
▲ 0.50% · 4.625%
HK$139,106
+HK$7,978/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$262,256/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,916,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,270
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$140,952
−HK$3,734/mo
Today · 4.125%
HK$144,686
baseline
▲ 0.50% · 4.625%
HK$152,313
+HK$7,627/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$289,372/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,916,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,955
−HK$9,027/mo
▼ 0.25% · 3.875%
HK$148,433
−HK$4,549/mo
Today · 4.125%
HK$152,982
baseline
▲ 0.50% · 4.625%
HK$162,291
+HK$9,309/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$305,964/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,916,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,148
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$164,443
−HK$4,358/mo
Today · 4.125%
HK$168,801
baseline
▲ 0.50% · 4.625%
HK$177,698
+HK$8,897/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$337,602/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,916,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,085
−HK$11,606/mo
▼ 0.25% · 3.875%
HK$190,842
−HK$5,849/mo
Today · 4.125%
HK$196,691
baseline
▲ 0.50% · 4.625%
HK$208,660
+HK$11,969/mo
Deposit HK$4.51M · loan HK$40.58M · min. income ≈ HK$393,382/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,905
−HK$11,124/mo
▼ 0.25% · 3.875%
HK$211,427
−HK$5,602/mo
Today · 4.125%
HK$217,029
baseline
▲ 0.50% · 4.625%
HK$228,469
+HK$11,440/mo
Deposit HK$4.51M · loan HK$40.58M · min. income ≈ HK$434,058/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,478 · Scale 2, in force from 26 Feb 2026)