LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,075
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$106,281
−HK$3,258/mo
Today · 4.125%
HK$109,539
baseline
▲ 0.50% · 4.625%
HK$116,204
+HK$6,665/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$219,078/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,921,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,670
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,745
−HK$3,120/mo
Today · 4.125%
HK$120,865
baseline
▲ 0.50% · 4.625%
HK$127,236
+HK$6,371/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$241,730/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,921,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,690
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$127,537
−HK$3,909/mo
Today · 4.125%
HK$131,446
baseline
▲ 0.50% · 4.625%
HK$139,445
+HK$7,999/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$262,892/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,921,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,604
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$141,294
−HK$3,744/mo
Today · 4.125%
HK$145,038
baseline
▲ 0.50% · 4.625%
HK$152,683
+HK$7,645/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$290,076/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,921,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,305
−HK$9,049/mo
▼ 0.25% · 3.875%
HK$148,794
−HK$4,560/mo
Today · 4.125%
HK$153,354
baseline
▲ 0.50% · 4.625%
HK$162,685
+HK$9,331/mo
Deposit HK$13.56M · loan HK$31.64M · min. income ≈ HK$306,708/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,538
−HK$8,673/mo
▼ 0.25% · 3.875%
HK$164,843
−HK$4,368/mo
Today · 4.125%
HK$169,211
baseline
▲ 0.50% · 4.625%
HK$178,130
+HK$8,919/mo
Deposit HK$13.56M · loan HK$31.64M · min. income ≈ HK$338,422/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,535
−HK$11,634/mo
▼ 0.25% · 3.875%
HK$191,306
−HK$5,863/mo
Today · 4.125%
HK$197,169
baseline
▲ 0.50% · 4.625%
HK$209,167
+HK$11,998/mo
Deposit HK$4.52M · loan HK$40.68M · min. income ≈ HK$394,338/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,406
−HK$11,151/mo
▼ 0.25% · 3.875%
HK$211,941
−HK$5,616/mo
Today · 4.125%
HK$217,557
baseline
▲ 0.50% · 4.625%
HK$229,025
+HK$11,468/mo
Deposit HK$4.52M · loan HK$40.68M · min. income ≈ HK$435,114/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,136 · Scale 2, in force from 26 Feb 2026)