LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,312
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,526
−HK$3,265/mo
Today · 4.125%
HK$109,791
baseline
▲ 0.50% · 4.625%
HK$116,471
+HK$6,680/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$219,582/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$1,925,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,934
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,016
−HK$3,127/mo
Today · 4.125%
HK$121,143
baseline
▲ 0.50% · 4.625%
HK$127,529
+HK$6,386/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$242,286/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$1,925,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,975
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$127,831
−HK$3,918/mo
Today · 4.125%
HK$131,749
baseline
▲ 0.50% · 4.625%
HK$139,766
+HK$8,017/mo
Deposit HK$18.12M · loan HK$27.18M · min. income ≈ HK$263,498/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,925,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,921
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$141,620
−HK$3,752/mo
Today · 4.125%
HK$145,372
baseline
▲ 0.50% · 4.625%
HK$153,035
+HK$7,663/mo
Deposit HK$18.12M · loan HK$27.18M · min. income ≈ HK$290,744/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,925,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,637
−HK$9,070/mo
▼ 0.25% · 3.875%
HK$149,136
−HK$4,571/mo
Today · 4.125%
HK$153,707
baseline
▲ 0.50% · 4.625%
HK$163,060
+HK$9,353/mo
Deposit HK$13.59M · loan HK$31.72M · min. income ≈ HK$307,414/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,925,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,907
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$165,223
−HK$4,378/mo
Today · 4.125%
HK$169,601
baseline
▲ 0.50% · 4.625%
HK$178,541
+HK$8,940/mo
Deposit HK$13.59M · loan HK$31.72M · min. income ≈ HK$339,202/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,925,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,962
−HK$11,662/mo
▼ 0.25% · 3.875%
HK$191,747
−HK$5,877/mo
Today · 4.125%
HK$197,624
baseline
▲ 0.50% · 4.625%
HK$209,649
+HK$12,025/mo
Deposit HK$4.53M · loan HK$40.78M · min. income ≈ HK$395,248/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,925,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,881
−HK$11,177/mo
▼ 0.25% · 3.875%
HK$212,429
−HK$5,629/mo
Today · 4.125%
HK$218,058
baseline
▲ 0.50% · 4.625%
HK$229,552
+HK$11,494/mo
Deposit HK$4.53M · loan HK$40.78M · min. income ≈ HK$436,116/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,925,561 · Scale 2, in force from 26 Feb 2026)