LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,509
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,729
−HK$3,271/mo
Today · 4.125%
HK$110,000
baseline
▲ 0.50% · 4.625%
HK$116,693
+HK$6,693/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$220,000/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,153
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,241
−HK$3,133/mo
Today · 4.125%
HK$121,374
baseline
▲ 0.50% · 4.625%
HK$127,772
+HK$6,398/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$242,748/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,211
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,074
−HK$3,926/mo
Today · 4.125%
HK$132,000
baseline
▲ 0.50% · 4.625%
HK$140,032
+HK$8,032/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$264,000/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,183
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,889
−HK$3,760/mo
Today · 4.125%
HK$145,649
baseline
▲ 0.50% · 4.625%
HK$153,326
+HK$7,677/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$291,298/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,913
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$149,420
−HK$4,580/mo
Today · 4.125%
HK$154,000
baseline
▲ 0.50% · 4.625%
HK$163,370
+HK$9,370/mo
Deposit HK$13.62M · loan HK$31.78M · min. income ≈ HK$308,000/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,214
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$165,537
−HK$4,387/mo
Today · 4.125%
HK$169,924
baseline
▲ 0.50% · 4.625%
HK$178,881
+HK$8,957/mo
Deposit HK$13.62M · loan HK$31.78M · min. income ≈ HK$339,848/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,316
−HK$11,684/mo
▼ 0.25% · 3.875%
HK$192,112
−HK$5,888/mo
Today · 4.125%
HK$198,000
baseline
▲ 0.50% · 4.625%
HK$210,048
+HK$12,048/mo
Deposit HK$4.54M · loan HK$40.85M · min. income ≈ HK$396,000/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,275
−HK$11,198/mo
▼ 0.25% · 3.875%
HK$212,834
−HK$5,639/mo
Today · 4.125%
HK$218,473
baseline
▲ 0.50% · 4.625%
HK$229,989
+HK$11,516/mo
Deposit HK$4.54M · loan HK$40.85M · min. income ≈ HK$436,946/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,227 · Scale 2, in force from 26 Feb 2026)