LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,716
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,942
−HK$3,278/mo
Today · 4.125%
HK$110,220
baseline
▲ 0.50% · 4.625%
HK$116,927
+HK$6,707/mo
Deposit HK$22.74M · loan HK$22.74M · min. income ≈ HK$220,440/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,383
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,478
−HK$3,139/mo
Today · 4.125%
HK$121,617
baseline
▲ 0.50% · 4.625%
HK$128,028
+HK$6,411/mo
Deposit HK$22.74M · loan HK$22.74M · min. income ≈ HK$243,234/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,459
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,331
−HK$3,933/mo
Today · 4.125%
HK$132,264
baseline
▲ 0.50% · 4.625%
HK$140,312
+HK$8,048/mo
Deposit HK$18.19M · loan HK$27.29M · min. income ≈ HK$264,528/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,460
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,173
−HK$3,767/mo
Today · 4.125%
HK$145,940
baseline
▲ 0.50% · 4.625%
HK$153,633
+HK$7,693/mo
Deposit HK$18.19M · loan HK$27.29M · min. income ≈ HK$291,880/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,203
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$149,719
−HK$4,589/mo
Today · 4.125%
HK$154,308
baseline
▲ 0.50% · 4.625%
HK$163,697
+HK$9,389/mo
Deposit HK$13.65M · loan HK$31.84M · min. income ≈ HK$308,616/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,536
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$165,869
−HK$4,395/mo
Today · 4.125%
HK$170,264
baseline
▲ 0.50% · 4.625%
HK$179,239
+HK$8,975/mo
Deposit HK$13.65M · loan HK$31.84M · min. income ≈ HK$340,528/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,689
−HK$11,707/mo
▼ 0.25% · 3.875%
HK$192,496
−HK$5,900/mo
Today · 4.125%
HK$198,396
baseline
▲ 0.50% · 4.625%
HK$210,468
+HK$12,072/mo
Deposit HK$4.55M · loan HK$40.94M · min. income ≈ HK$396,792/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,690
−HK$11,221/mo
▼ 0.25% · 3.875%
HK$213,260
−HK$5,651/mo
Today · 4.125%
HK$218,911
baseline
▲ 0.50% · 4.625%
HK$230,450
+HK$11,539/mo
Deposit HK$4.55M · loan HK$40.94M · min. income ≈ HK$437,822/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,089 · Scale 2, in force from 26 Feb 2026)