LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,546
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,767
−HK$3,272/mo
Today · 4.125%
HK$110,039
baseline
▲ 0.50% · 4.625%
HK$116,735
+HK$6,696/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$220,078/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,194
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,283
−HK$3,134/mo
Today · 4.125%
HK$121,417
baseline
▲ 0.50% · 4.625%
HK$127,817
+HK$6,400/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$242,834/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,255
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$128,120
−HK$3,927/mo
Today · 4.125%
HK$132,047
baseline
▲ 0.50% · 4.625%
HK$140,082
+HK$8,035/mo
Deposit HK$18.16M · loan HK$27.25M · min. income ≈ HK$264,094/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,232
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$141,940
−HK$3,761/mo
Today · 4.125%
HK$145,701
baseline
▲ 0.50% · 4.625%
HK$153,381
+HK$7,680/mo
Deposit HK$18.16M · loan HK$27.25M · min. income ≈ HK$291,402/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,964
−HK$9,091/mo
▼ 0.25% · 3.875%
HK$149,473
−HK$4,582/mo
Today · 4.125%
HK$154,055
baseline
▲ 0.50% · 4.625%
HK$163,428
+HK$9,373/mo
Deposit HK$13.62M · loan HK$31.79M · min. income ≈ HK$308,110/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,271
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$165,596
−HK$4,388/mo
Today · 4.125%
HK$169,984
baseline
▲ 0.50% · 4.625%
HK$178,944
+HK$8,960/mo
Deposit HK$13.62M · loan HK$31.79M · min. income ≈ HK$339,968/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,382
−HK$11,688/mo
▼ 0.25% · 3.875%
HK$192,180
−HK$5,890/mo
Today · 4.125%
HK$198,070
baseline
▲ 0.50% · 4.625%
HK$210,122
+HK$12,052/mo
Deposit HK$4.54M · loan HK$40.87M · min. income ≈ HK$396,140/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,349
−HK$11,202/mo
▼ 0.25% · 3.875%
HK$212,910
−HK$5,641/mo
Today · 4.125%
HK$218,551
baseline
▲ 0.50% · 4.625%
HK$230,071
+HK$11,520/mo
Deposit HK$4.54M · loan HK$40.87M · min. income ≈ HK$437,102/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,913 · Scale 2, in force from 26 Feb 2026)