LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,539
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,759
−HK$3,273/mo
Today · 4.125%
HK$110,032
baseline
▲ 0.50% · 4.625%
HK$116,727
+HK$6,695/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$220,064/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,186
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,275
−HK$3,134/mo
Today · 4.125%
HK$121,409
baseline
▲ 0.50% · 4.625%
HK$127,809
+HK$6,400/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$242,818/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,246
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$128,111
−HK$3,927/mo
Today · 4.125%
HK$132,038
baseline
▲ 0.50% · 4.625%
HK$140,072
+HK$8,034/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$264,076/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,223
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$141,930
−HK$3,761/mo
Today · 4.125%
HK$145,691
baseline
▲ 0.50% · 4.625%
HK$153,370
+HK$7,679/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$291,382/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,954
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$149,463
−HK$4,581/mo
Today · 4.125%
HK$154,044
baseline
▲ 0.50% · 4.625%
HK$163,417
+HK$9,373/mo
Deposit HK$13.62M · loan HK$31.78M · min. income ≈ HK$308,088/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,260
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$165,585
−HK$4,388/mo
Today · 4.125%
HK$169,973
baseline
▲ 0.50% · 4.625%
HK$178,932
+HK$8,959/mo
Deposit HK$13.62M · loan HK$31.78M · min. income ≈ HK$339,946/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,370
−HK$11,687/mo
▼ 0.25% · 3.875%
HK$192,167
−HK$5,890/mo
Today · 4.125%
HK$198,057
baseline
▲ 0.50% · 4.625%
HK$210,108
+HK$12,051/mo
Deposit HK$4.54M · loan HK$40.87M · min. income ≈ HK$396,114/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,334
−HK$11,202/mo
▼ 0.25% · 3.875%
HK$212,895
−HK$5,641/mo
Today · 4.125%
HK$218,536
baseline
▲ 0.50% · 4.625%
HK$230,055
+HK$11,519/mo
Deposit HK$4.54M · loan HK$40.87M · min. income ≈ HK$437,072/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,782 · Scale 2, in force from 26 Feb 2026)