LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,748
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,975
−HK$3,279/mo
Today · 4.125%
HK$110,254
baseline
▲ 0.50% · 4.625%
HK$116,962
+HK$6,708/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$220,508/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,418
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,514
−HK$3,140/mo
Today · 4.125%
HK$121,654
baseline
▲ 0.50% · 4.625%
HK$128,067
+HK$6,413/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$243,308/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,497
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$128,370
−HK$3,934/mo
Today · 4.125%
HK$132,304
baseline
▲ 0.50% · 4.625%
HK$140,355
+HK$8,051/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$264,608/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,502
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,217
−HK$3,768/mo
Today · 4.125%
HK$145,985
baseline
▲ 0.50% · 4.625%
HK$153,680
+HK$7,695/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$291,970/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,247
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$149,765
−HK$4,590/mo
Today · 4.125%
HK$154,355
baseline
▲ 0.50% · 4.625%
HK$163,747
+HK$9,392/mo
Deposit HK$13.65M · loan HK$31.85M · min. income ≈ HK$308,710/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,586
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$165,919
−HK$4,397/mo
Today · 4.125%
HK$170,316
baseline
▲ 0.50% · 4.625%
HK$179,293
+HK$8,977/mo
Deposit HK$13.65M · loan HK$31.85M · min. income ≈ HK$340,632/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,746
−HK$11,711/mo
▼ 0.25% · 3.875%
HK$192,555
−HK$5,902/mo
Today · 4.125%
HK$198,457
baseline
▲ 0.50% · 4.625%
HK$210,532
+HK$12,075/mo
Deposit HK$4.55M · loan HK$40.95M · min. income ≈ HK$396,914/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,753
−HK$11,224/mo
▼ 0.25% · 3.875%
HK$213,325
−HK$5,652/mo
Today · 4.125%
HK$218,977
baseline
▲ 0.50% · 4.625%
HK$230,520
+HK$11,543/mo
Deposit HK$4.55M · loan HK$40.95M · min. income ≈ HK$437,954/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,679 · Scale 2, in force from 26 Feb 2026)