LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,554
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,775
−HK$3,272/mo
Today · 4.125%
HK$110,047
baseline
▲ 0.50% · 4.625%
HK$116,744
+HK$6,697/mo
Deposit HK$22.71M · loan HK$22.71M · min. income ≈ HK$220,094/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$1,930,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,203
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,292
−HK$3,135/mo
Today · 4.125%
HK$121,427
baseline
▲ 0.50% · 4.625%
HK$127,827
+HK$6,400/mo
Deposit HK$22.71M · loan HK$22.71M · min. income ≈ HK$242,854/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$1,930,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,265
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$128,130
−HK$3,927/mo
Today · 4.125%
HK$132,057
baseline
▲ 0.50% · 4.625%
HK$140,092
+HK$8,035/mo
Deposit HK$18.17M · loan HK$27.25M · min. income ≈ HK$264,114/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,243
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$141,951
−HK$3,761/mo
Today · 4.125%
HK$145,712
baseline
▲ 0.50% · 4.625%
HK$153,393
+HK$7,681/mo
Deposit HK$18.17M · loan HK$27.25M · min. income ≈ HK$291,424/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,975
−HK$9,091/mo
▼ 0.25% · 3.875%
HK$149,485
−HK$4,581/mo
Today · 4.125%
HK$154,066
baseline
▲ 0.50% · 4.625%
HK$163,441
+HK$9,375/mo
Deposit HK$13.62M · loan HK$31.79M · min. income ≈ HK$308,132/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,930,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,284
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$165,609
−HK$4,388/mo
Today · 4.125%
HK$169,997
baseline
▲ 0.50% · 4.625%
HK$178,958
+HK$8,961/mo
Deposit HK$13.62M · loan HK$31.79M · min. income ≈ HK$339,994/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,930,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,397
−HK$11,688/mo
▼ 0.25% · 3.875%
HK$192,195
−HK$5,890/mo
Today · 4.125%
HK$198,085
baseline
▲ 0.50% · 4.625%
HK$210,139
+HK$12,054/mo
Deposit HK$4.54M · loan HK$40.87M · min. income ≈ HK$396,170/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,365
−HK$11,203/mo
▼ 0.25% · 3.875%
HK$212,926
−HK$5,642/mo
Today · 4.125%
HK$218,568
baseline
▲ 0.50% · 4.625%
HK$230,089
+HK$11,521/mo
Deposit HK$4.54M · loan HK$40.87M · min. income ≈ HK$437,136/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,062 · Scale 2, in force from 26 Feb 2026)