LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,246
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,457
−HK$3,263/mo
Today · 4.125%
HK$109,720
baseline
▲ 0.50% · 4.625%
HK$116,396
+HK$6,676/mo
Deposit HK$22.64M · loan HK$22.64M · min. income ≈ HK$219,440/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,860
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,940
−HK$3,125/mo
Today · 4.125%
HK$121,065
baseline
▲ 0.50% · 4.625%
HK$127,447
+HK$6,382/mo
Deposit HK$22.64M · loan HK$22.64M · min. income ≈ HK$242,130/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,895
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,749
−HK$3,915/mo
Today · 4.125%
HK$131,664
baseline
▲ 0.50% · 4.625%
HK$139,676
+HK$8,012/mo
Deposit HK$18.11M · loan HK$27.17M · min. income ≈ HK$263,328/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,832
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$141,528
−HK$3,750/mo
Today · 4.125%
HK$145,278
baseline
▲ 0.50% · 4.625%
HK$152,936
+HK$7,658/mo
Deposit HK$18.11M · loan HK$27.17M · min. income ≈ HK$290,556/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,544
−HK$9,064/mo
▼ 0.25% · 3.875%
HK$149,040
−HK$4,568/mo
Today · 4.125%
HK$153,608
baseline
▲ 0.50% · 4.625%
HK$162,955
+HK$9,347/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$307,216/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,804
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$165,116
−HK$4,375/mo
Today · 4.125%
HK$169,491
baseline
▲ 0.50% · 4.625%
HK$178,426
+HK$8,935/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$338,982/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,842
−HK$11,654/mo
▼ 0.25% · 3.875%
HK$191,623
−HK$5,873/mo
Today · 4.125%
HK$197,496
baseline
▲ 0.50% · 4.625%
HK$209,513
+HK$12,017/mo
Deposit HK$4.53M · loan HK$40.75M · min. income ≈ HK$394,992/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,748
−HK$11,170/mo
▼ 0.25% · 3.875%
HK$212,293
−HK$5,625/mo
Today · 4.125%
HK$217,918
baseline
▲ 0.50% · 4.625%
HK$229,404
+HK$11,486/mo
Deposit HK$4.53M · loan HK$40.75M · min. income ≈ HK$435,836/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,320 · Scale 2, in force from 26 Feb 2026)