LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,777
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,005
−HK$3,280/mo
Today · 4.125%
HK$110,285
baseline
▲ 0.50% · 4.625%
HK$116,995
+HK$6,710/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$220,570/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,451
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,547
−HK$3,141/mo
Today · 4.125%
HK$121,688
baseline
▲ 0.50% · 4.625%
HK$128,103
+HK$6,415/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$243,376/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,533
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$128,406
−HK$3,936/mo
Today · 4.125%
HK$132,342
baseline
▲ 0.50% · 4.625%
HK$140,395
+HK$8,053/mo
Deposit HK$18.20M · loan HK$27.31M · min. income ≈ HK$264,684/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,541
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,257
−HK$3,769/mo
Today · 4.125%
HK$146,026
baseline
▲ 0.50% · 4.625%
HK$153,723
+HK$7,697/mo
Deposit HK$18.20M · loan HK$27.31M · min. income ≈ HK$292,052/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,288
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$149,807
−HK$4,592/mo
Today · 4.125%
HK$154,399
baseline
▲ 0.50% · 4.625%
HK$163,794
+HK$9,395/mo
Deposit HK$13.65M · loan HK$31.86M · min. income ≈ HK$308,798/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,631
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$165,966
−HK$4,398/mo
Today · 4.125%
HK$170,364
baseline
▲ 0.50% · 4.625%
HK$179,344
+HK$8,980/mo
Deposit HK$13.65M · loan HK$31.86M · min. income ≈ HK$340,728/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,799
−HK$11,714/mo
▼ 0.25% · 3.875%
HK$192,609
−HK$5,904/mo
Today · 4.125%
HK$198,513
baseline
▲ 0.50% · 4.625%
HK$210,592
+HK$12,079/mo
Deposit HK$4.55M · loan HK$40.96M · min. income ≈ HK$397,026/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,812
−HK$11,227/mo
▼ 0.25% · 3.875%
HK$213,385
−HK$5,654/mo
Today · 4.125%
HK$219,039
baseline
▲ 0.50% · 4.625%
HK$230,585
+HK$11,546/mo
Deposit HK$4.55M · loan HK$40.96M · min. income ≈ HK$438,078/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,225 · Scale 2, in force from 26 Feb 2026)