LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,533
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,753
−HK$3,272/mo
Today · 4.125%
HK$110,025
baseline
▲ 0.50% · 4.625%
HK$116,720
+HK$6,695/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$220,050/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,179
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,268
−HK$3,134/mo
Today · 4.125%
HK$121,402
baseline
▲ 0.50% · 4.625%
HK$127,801
+HK$6,399/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$242,804/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,239
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$128,104
−HK$3,926/mo
Today · 4.125%
HK$132,030
baseline
▲ 0.50% · 4.625%
HK$140,064
+HK$8,034/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$264,060/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,215
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$141,922
−HK$3,760/mo
Today · 4.125%
HK$145,682
baseline
▲ 0.50% · 4.625%
HK$153,361
+HK$7,679/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$291,364/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,946
−HK$9,089/mo
▼ 0.25% · 3.875%
HK$149,454
−HK$4,581/mo
Today · 4.125%
HK$154,035
baseline
▲ 0.50% · 4.625%
HK$163,408
+HK$9,373/mo
Deposit HK$13.62M · loan HK$31.78M · min. income ≈ HK$308,070/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,251
−HK$8,711/mo
▼ 0.25% · 3.875%
HK$165,575
−HK$4,387/mo
Today · 4.125%
HK$169,962
baseline
▲ 0.50% · 4.625%
HK$178,921
+HK$8,959/mo
Deposit HK$13.62M · loan HK$31.78M · min. income ≈ HK$339,924/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,359
−HK$11,686/mo
▼ 0.25% · 3.875%
HK$192,156
−HK$5,889/mo
Today · 4.125%
HK$198,045
baseline
▲ 0.50% · 4.625%
HK$210,096
+HK$12,051/mo
Deposit HK$4.54M · loan HK$40.86M · min. income ≈ HK$396,090/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,322
−HK$11,201/mo
▼ 0.25% · 3.875%
HK$212,882
−HK$5,641/mo
Today · 4.125%
HK$218,523
baseline
▲ 0.50% · 4.625%
HK$230,042
+HK$11,519/mo
Deposit HK$4.54M · loan HK$40.86M · min. income ≈ HK$437,046/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,668 · Scale 2, in force from 26 Feb 2026)