LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,704
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,930
−HK$3,278/mo
Today · 4.125%
HK$110,208
baseline
▲ 0.50% · 4.625%
HK$116,913
+HK$6,705/mo
Deposit HK$22.74M · loan HK$22.74M · min. income ≈ HK$220,416/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$1,932,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,370
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,464
−HK$3,139/mo
Today · 4.125%
HK$121,603
baseline
▲ 0.50% · 4.625%
HK$128,013
+HK$6,410/mo
Deposit HK$22.74M · loan HK$22.74M · min. income ≈ HK$243,206/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$1,932,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,445
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$128,316
−HK$3,933/mo
Today · 4.125%
HK$132,249
baseline
▲ 0.50% · 4.625%
HK$140,296
+HK$8,047/mo
Deposit HK$18.19M · loan HK$27.29M · min. income ≈ HK$264,498/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,444
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,157
−HK$3,767/mo
Today · 4.125%
HK$145,924
baseline
▲ 0.50% · 4.625%
HK$153,616
+HK$7,692/mo
Deposit HK$18.19M · loan HK$27.29M · min. income ≈ HK$291,848/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,186
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$149,702
−HK$4,589/mo
Today · 4.125%
HK$154,291
baseline
▲ 0.50% · 4.625%
HK$163,679
+HK$9,388/mo
Deposit HK$13.64M · loan HK$31.84M · min. income ≈ HK$308,582/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,932,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,518
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$165,850
−HK$4,394/mo
Today · 4.125%
HK$170,244
baseline
▲ 0.50% · 4.625%
HK$179,218
+HK$8,974/mo
Deposit HK$13.64M · loan HK$31.84M · min. income ≈ HK$340,488/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,932,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,668
−HK$11,706/mo
▼ 0.25% · 3.875%
HK$192,474
−HK$5,900/mo
Today · 4.125%
HK$198,374
baseline
▲ 0.50% · 4.625%
HK$210,444
+HK$12,070/mo
Deposit HK$4.55M · loan HK$40.93M · min. income ≈ HK$396,748/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,666
−HK$11,220/mo
▼ 0.25% · 3.875%
HK$213,236
−HK$5,650/mo
Today · 4.125%
HK$218,886
baseline
▲ 0.50% · 4.625%
HK$230,423
+HK$11,537/mo
Deposit HK$4.55M · loan HK$40.93M · min. income ≈ HK$437,772/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,869 · Scale 2, in force from 26 Feb 2026)