LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,855
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,055
−HK$3,250/mo
Today · 4.125%
HK$109,305
baseline
▲ 0.50% · 4.625%
HK$115,956
+HK$6,651/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$218,610/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,917,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,425
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,494
−HK$3,113/mo
Today · 4.125%
HK$120,607
baseline
▲ 0.50% · 4.625%
HK$126,965
+HK$6,358/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$241,214/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,917,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,426
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$127,265
−HK$3,901/mo
Today · 4.125%
HK$131,166
baseline
▲ 0.50% · 4.625%
HK$139,147
+HK$7,981/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$262,332/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,917,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,310
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$140,993
−HK$3,736/mo
Today · 4.125%
HK$144,729
baseline
▲ 0.50% · 4.625%
HK$152,358
+HK$7,629/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$289,458/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,917,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,997
−HK$9,030/mo
▼ 0.25% · 3.875%
HK$148,476
−HK$4,551/mo
Today · 4.125%
HK$153,027
baseline
▲ 0.50% · 4.625%
HK$162,338
+HK$9,311/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$306,054/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,917,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,195
−HK$8,655/mo
▼ 0.25% · 3.875%
HK$164,492
−HK$4,358/mo
Today · 4.125%
HK$168,850
baseline
▲ 0.50% · 4.625%
HK$177,751
+HK$8,901/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$337,700/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,917,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,139
−HK$11,610/mo
▼ 0.25% · 3.875%
HK$190,898
−HK$5,851/mo
Today · 4.125%
HK$196,749
baseline
▲ 0.50% · 4.625%
HK$208,721
+HK$11,972/mo
Deposit HK$4.51M · loan HK$40.60M · min. income ≈ HK$393,498/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,966
−HK$11,127/mo
▼ 0.25% · 3.875%
HK$211,489
−HK$5,604/mo
Today · 4.125%
HK$217,093
baseline
▲ 0.50% · 4.625%
HK$228,537
+HK$11,444/mo
Deposit HK$4.51M · loan HK$40.60M · min. income ≈ HK$434,186/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,041 · Scale 2, in force from 26 Feb 2026)