LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,251
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,462
−HK$3,263/mo
Today · 4.125%
HK$109,725
baseline
▲ 0.50% · 4.625%
HK$116,402
+HK$6,677/mo
Deposit HK$22.64M · loan HK$22.64M · min. income ≈ HK$219,450/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,924,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,865
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,946
−HK$3,125/mo
Today · 4.125%
HK$121,071
baseline
▲ 0.50% · 4.625%
HK$127,453
+HK$6,382/mo
Deposit HK$22.64M · loan HK$22.64M · min. income ≈ HK$242,142/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,924,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,901
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$127,755
−HK$3,916/mo
Today · 4.125%
HK$131,671
baseline
▲ 0.50% · 4.625%
HK$139,682
+HK$8,011/mo
Deposit HK$18.11M · loan HK$27.17M · min. income ≈ HK$263,342/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,839
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,535
−HK$3,751/mo
Today · 4.125%
HK$145,286
baseline
▲ 0.50% · 4.625%
HK$152,944
+HK$7,658/mo
Deposit HK$18.11M · loan HK$27.17M · min. income ≈ HK$290,572/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,551
−HK$9,065/mo
▼ 0.25% · 3.875%
HK$149,047
−HK$4,569/mo
Today · 4.125%
HK$153,616
baseline
▲ 0.50% · 4.625%
HK$162,963
+HK$9,347/mo
Deposit HK$13.58M · loan HK$31.70M · min. income ≈ HK$307,232/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,812
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$165,124
−HK$4,376/mo
Today · 4.125%
HK$169,500
baseline
▲ 0.50% · 4.625%
HK$178,434
+HK$8,934/mo
Deposit HK$13.58M · loan HK$31.70M · min. income ≈ HK$339,000/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,851
−HK$11,655/mo
▼ 0.25% · 3.875%
HK$191,632
−HK$5,874/mo
Today · 4.125%
HK$197,506
baseline
▲ 0.50% · 4.625%
HK$209,524
+HK$12,018/mo
Deposit HK$4.53M · loan HK$40.75M · min. income ≈ HK$395,012/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,758
−HK$11,170/mo
▼ 0.25% · 3.875%
HK$212,303
−HK$5,625/mo
Today · 4.125%
HK$217,928
baseline
▲ 0.50% · 4.625%
HK$229,416
+HK$11,488/mo
Deposit HK$4.53M · loan HK$40.75M · min. income ≈ HK$435,856/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,414 · Scale 2, in force from 26 Feb 2026)