LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,174
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,383
−HK$3,261/mo
Today · 4.125%
HK$109,644
baseline
▲ 0.50% · 4.625%
HK$116,316
+HK$6,672/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$219,288/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,780
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,858
−HK$3,123/mo
Today · 4.125%
HK$120,981
baseline
▲ 0.50% · 4.625%
HK$127,358
+HK$6,377/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$241,962/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,809
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$127,660
−HK$3,913/mo
Today · 4.125%
HK$131,573
baseline
▲ 0.50% · 4.625%
HK$139,579
+HK$8,006/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$263,146/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,736
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,430
−HK$3,748/mo
Today · 4.125%
HK$145,178
baseline
▲ 0.50% · 4.625%
HK$152,830
+HK$7,652/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$290,356/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,444
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$148,937
−HK$4,565/mo
Today · 4.125%
HK$153,502
baseline
▲ 0.50% · 4.625%
HK$162,842
+HK$9,340/mo
Deposit HK$13.57M · loan HK$31.67M · min. income ≈ HK$307,004/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,692
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$165,002
−HK$4,372/mo
Today · 4.125%
HK$169,374
baseline
▲ 0.50% · 4.625%
HK$178,302
+HK$8,928/mo
Deposit HK$13.57M · loan HK$31.67M · min. income ≈ HK$338,748/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,713
−HK$11,646/mo
▼ 0.25% · 3.875%
HK$191,490
−HK$5,869/mo
Today · 4.125%
HK$197,359
baseline
▲ 0.50% · 4.625%
HK$209,368
+HK$12,009/mo
Deposit HK$4.52M · loan HK$40.72M · min. income ≈ HK$394,718/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,604
−HK$11,162/mo
▼ 0.25% · 3.875%
HK$212,145
−HK$5,621/mo
Today · 4.125%
HK$217,766
baseline
▲ 0.50% · 4.625%
HK$229,245
+HK$11,479/mo
Deposit HK$4.52M · loan HK$40.72M · min. income ≈ HK$435,532/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,984 · Scale 2, in force from 26 Feb 2026)