LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,881
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,082
−HK$3,251/mo
Today · 4.125%
HK$109,333
baseline
▲ 0.50% · 4.625%
HK$115,986
+HK$6,653/mo
Deposit HK$22.56M · loan HK$22.56M · min. income ≈ HK$218,666/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$1,917,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,455
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,524
−HK$3,114/mo
Today · 4.125%
HK$120,638
baseline
▲ 0.50% · 4.625%
HK$126,997
+HK$6,359/mo
Deposit HK$22.56M · loan HK$22.56M · min. income ≈ HK$241,276/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$1,917,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,458
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,298
−HK$3,902/mo
Today · 4.125%
HK$131,200
baseline
▲ 0.50% · 4.625%
HK$139,183
+HK$7,983/mo
Deposit HK$18.05M · loan HK$27.07M · min. income ≈ HK$262,400/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,917,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,346
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,029
−HK$3,737/mo
Today · 4.125%
HK$144,766
baseline
▲ 0.50% · 4.625%
HK$152,397
+HK$7,631/mo
Deposit HK$18.05M · loan HK$27.07M · min. income ≈ HK$289,532/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,917,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,034
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$148,514
−HK$4,552/mo
Today · 4.125%
HK$153,066
baseline
▲ 0.50% · 4.625%
HK$162,380
+HK$9,314/mo
Deposit HK$13.54M · loan HK$31.58M · min. income ≈ HK$306,132/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,917,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,236
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$164,534
−HK$4,360/mo
Today · 4.125%
HK$168,894
baseline
▲ 0.50% · 4.625%
HK$177,796
+HK$8,902/mo
Deposit HK$13.54M · loan HK$31.58M · min. income ≈ HK$337,788/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,917,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,187
−HK$11,612/mo
▼ 0.25% · 3.875%
HK$190,947
−HK$5,852/mo
Today · 4.125%
HK$196,799
baseline
▲ 0.50% · 4.625%
HK$208,774
+HK$11,975/mo
Deposit HK$4.51M · loan HK$40.61M · min. income ≈ HK$393,598/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,018
−HK$11,131/mo
▼ 0.25% · 3.875%
HK$211,544
−HK$5,605/mo
Today · 4.125%
HK$217,149
baseline
▲ 0.50% · 4.625%
HK$228,595
+HK$11,446/mo
Deposit HK$4.51M · loan HK$40.61M · min. income ≈ HK$434,298/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,532 · Scale 2, in force from 26 Feb 2026)