LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,735
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,962
−HK$3,278/mo
Today · 4.125%
HK$110,240
baseline
▲ 0.50% · 4.625%
HK$116,948
+HK$6,708/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$220,480/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,404
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,499
−HK$3,140/mo
Today · 4.125%
HK$121,639
baseline
▲ 0.50% · 4.625%
HK$128,051
+HK$6,412/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$243,278/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,482
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$128,354
−HK$3,934/mo
Today · 4.125%
HK$132,288
baseline
▲ 0.50% · 4.625%
HK$140,338
+HK$8,050/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$264,576/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,485
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$142,199
−HK$3,768/mo
Today · 4.125%
HK$145,967
baseline
▲ 0.50% · 4.625%
HK$153,661
+HK$7,694/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$291,934/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,229
−HK$9,107/mo
▼ 0.25% · 3.875%
HK$149,746
−HK$4,590/mo
Today · 4.125%
HK$154,336
baseline
▲ 0.50% · 4.625%
HK$163,727
+HK$9,391/mo
Deposit HK$13.65M · loan HK$31.84M · min. income ≈ HK$308,672/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,566
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$165,899
−HK$4,396/mo
Today · 4.125%
HK$170,295
baseline
▲ 0.50% · 4.625%
HK$179,271
+HK$8,976/mo
Deposit HK$13.65M · loan HK$31.84M · min. income ≈ HK$340,590/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,723
−HK$11,709/mo
▼ 0.25% · 3.875%
HK$192,531
−HK$5,901/mo
Today · 4.125%
HK$198,432
baseline
▲ 0.50% · 4.625%
HK$210,506
+HK$12,074/mo
Deposit HK$4.55M · loan HK$40.94M · min. income ≈ HK$396,864/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,727
−HK$11,223/mo
▼ 0.25% · 3.875%
HK$213,299
−HK$5,651/mo
Today · 4.125%
HK$218,950
baseline
▲ 0.50% · 4.625%
HK$230,491
+HK$11,541/mo
Deposit HK$4.55M · loan HK$40.94M · min. income ≈ HK$437,900/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,440 · Scale 2, in force from 26 Feb 2026)