LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,761
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,989
−HK$3,279/mo
Today · 4.125%
HK$110,268
baseline
▲ 0.50% · 4.625%
HK$116,978
+HK$6,710/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$220,536/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,933,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,434
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,529
−HK$3,141/mo
Today · 4.125%
HK$121,670
baseline
▲ 0.50% · 4.625%
HK$128,084
+HK$6,414/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$243,340/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,933,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,514
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$128,387
−HK$3,935/mo
Today · 4.125%
HK$132,322
baseline
▲ 0.50% · 4.625%
HK$140,373
+HK$8,051/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$264,644/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,933,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,520
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$142,235
−HK$3,769/mo
Today · 4.125%
HK$146,004
baseline
▲ 0.50% · 4.625%
HK$153,700
+HK$7,696/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$292,008/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,933,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,266
−HK$9,110/mo
▼ 0.25% · 3.875%
HK$149,785
−HK$4,591/mo
Today · 4.125%
HK$154,376
baseline
▲ 0.50% · 4.625%
HK$163,769
+HK$9,393/mo
Deposit HK$13.65M · loan HK$31.85M · min. income ≈ HK$308,752/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,933,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,607
−HK$8,731/mo
▼ 0.25% · 3.875%
HK$165,941
−HK$4,397/mo
Today · 4.125%
HK$170,338
baseline
▲ 0.50% · 4.625%
HK$179,317
+HK$8,979/mo
Deposit HK$13.65M · loan HK$31.85M · min. income ≈ HK$340,676/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,933,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,771
−HK$11,712/mo
▼ 0.25% · 3.875%
HK$192,580
−HK$5,903/mo
Today · 4.125%
HK$198,483
baseline
▲ 0.50% · 4.625%
HK$210,560
+HK$12,077/mo
Deposit HK$4.55M · loan HK$40.95M · min. income ≈ HK$396,966/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,780
−HK$11,226/mo
▼ 0.25% · 3.875%
HK$213,353
−HK$5,653/mo
Today · 4.125%
HK$219,006
baseline
▲ 0.50% · 4.625%
HK$230,550
+HK$11,544/mo
Deposit HK$4.55M · loan HK$40.95M · min. income ≈ HK$438,012/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,933 · Scale 2, in force from 26 Feb 2026)