LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,185
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,395
−HK$3,261/mo
Today · 4.125%
HK$109,656
baseline
▲ 0.50% · 4.625%
HK$116,328
+HK$6,672/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$219,312/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,792
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,871
−HK$3,123/mo
Today · 4.125%
HK$120,994
baseline
▲ 0.50% · 4.625%
HK$127,372
+HK$6,378/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$241,988/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,822
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$127,674
−HK$3,913/mo
Today · 4.125%
HK$131,587
baseline
▲ 0.50% · 4.625%
HK$139,594
+HK$8,007/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$263,174/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,923,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,751
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,445
−HK$3,748/mo
Today · 4.125%
HK$145,193
baseline
▲ 0.50% · 4.625%
HK$152,846
+HK$7,653/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$290,386/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,923,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,459
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$148,953
−HK$4,565/mo
Today · 4.125%
HK$153,518
baseline
▲ 0.50% · 4.625%
HK$162,859
+HK$9,341/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$307,036/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,709
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$165,019
−HK$4,373/mo
Today · 4.125%
HK$169,392
baseline
▲ 0.50% · 4.625%
HK$178,321
+HK$8,929/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$338,784/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,733
−HK$11,647/mo
▼ 0.25% · 3.875%
HK$191,510
−HK$5,870/mo
Today · 4.125%
HK$197,380
baseline
▲ 0.50% · 4.625%
HK$209,390
+HK$12,010/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$394,760/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,626
−HK$11,164/mo
▼ 0.25% · 3.875%
HK$212,168
−HK$5,622/mo
Today · 4.125%
HK$217,790
baseline
▲ 0.50% · 4.625%
HK$229,270
+HK$11,480/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$435,580/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,190 · Scale 2, in force from 26 Feb 2026)