LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,065
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,271
−HK$3,257/mo
Today · 4.125%
HK$109,528
baseline
▲ 0.50% · 4.625%
HK$116,193
+HK$6,665/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$219,056/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,920,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,659
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,734
−HK$3,120/mo
Today · 4.125%
HK$120,854
baseline
▲ 0.50% · 4.625%
HK$127,224
+HK$6,370/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$241,708/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,920,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,678
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$127,525
−HK$3,909/mo
Today · 4.125%
HK$131,434
baseline
▲ 0.50% · 4.625%
HK$139,432
+HK$7,998/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$262,868/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,920,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,591
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$141,281
−HK$3,744/mo
Today · 4.125%
HK$145,025
baseline
▲ 0.50% · 4.625%
HK$152,669
+HK$7,644/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$290,050/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,920,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,291
−HK$9,049/mo
▼ 0.25% · 3.875%
HK$148,780
−HK$4,560/mo
Today · 4.125%
HK$153,340
baseline
▲ 0.50% · 4.625%
HK$162,670
+HK$9,330/mo
Deposit HK$13.56M · loan HK$31.64M · min. income ≈ HK$306,680/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,523
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$164,828
−HK$4,367/mo
Today · 4.125%
HK$169,195
baseline
▲ 0.50% · 4.625%
HK$178,114
+HK$8,919/mo
Deposit HK$13.56M · loan HK$31.64M · min. income ≈ HK$338,390/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,518
−HK$11,633/mo
▼ 0.25% · 3.875%
HK$191,288
−HK$5,863/mo
Today · 4.125%
HK$197,151
baseline
▲ 0.50% · 4.625%
HK$209,147
+HK$11,996/mo
Deposit HK$4.52M · loan HK$40.68M · min. income ≈ HK$394,302/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,386
−HK$11,151/mo
▼ 0.25% · 3.875%
HK$211,922
−HK$5,615/mo
Today · 4.125%
HK$217,537
baseline
▲ 0.50% · 4.625%
HK$229,004
+HK$11,467/mo
Deposit HK$4.52M · loan HK$40.68M · min. income ≈ HK$435,074/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,958 · Scale 2, in force from 26 Feb 2026)