LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,158
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,367
−HK$3,260/mo
Today · 4.125%
HK$109,627
baseline
▲ 0.50% · 4.625%
HK$116,298
+HK$6,671/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$219,254/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,762
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,840
−HK$3,123/mo
Today · 4.125%
HK$120,963
baseline
▲ 0.50% · 4.625%
HK$127,339
+HK$6,376/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$241,926/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,790
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$127,640
−HK$3,913/mo
Today · 4.125%
HK$131,553
baseline
▲ 0.50% · 4.625%
HK$139,557
+HK$8,004/mo
Deposit HK$18.10M · loan HK$27.14M · min. income ≈ HK$263,106/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,922,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,715
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$141,408
−HK$3,747/mo
Today · 4.125%
HK$145,155
baseline
▲ 0.50% · 4.625%
HK$152,807
+HK$7,652/mo
Deposit HK$18.10M · loan HK$27.14M · min. income ≈ HK$290,310/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,922,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,421
−HK$9,057/mo
▼ 0.25% · 3.875%
HK$148,914
−HK$4,564/mo
Today · 4.125%
HK$153,478
baseline
▲ 0.50% · 4.625%
HK$162,817
+HK$9,339/mo
Deposit HK$13.57M · loan HK$31.67M · min. income ≈ HK$306,956/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,667
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$164,976
−HK$4,372/mo
Today · 4.125%
HK$169,348
baseline
▲ 0.50% · 4.625%
HK$178,274
+HK$8,926/mo
Deposit HK$13.57M · loan HK$31.67M · min. income ≈ HK$338,696/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,685
−HK$11,644/mo
▼ 0.25% · 3.875%
HK$191,461
−HK$5,868/mo
Today · 4.125%
HK$197,329
baseline
▲ 0.50% · 4.625%
HK$209,336
+HK$12,007/mo
Deposit HK$4.52M · loan HK$40.72M · min. income ≈ HK$394,658/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,572
−HK$11,161/mo
▼ 0.25% · 3.875%
HK$212,113
−HK$5,620/mo
Today · 4.125%
HK$217,733
baseline
▲ 0.50% · 4.625%
HK$229,210
+HK$11,477/mo
Deposit HK$4.52M · loan HK$40.72M · min. income ≈ HK$435,466/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,689 · Scale 2, in force from 26 Feb 2026)