LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,785
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,014
−HK$3,280/mo
Today · 4.125%
HK$110,294
baseline
▲ 0.50% · 4.625%
HK$117,005
+HK$6,711/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$220,588/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,460
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,557
−HK$3,141/mo
Today · 4.125%
HK$121,698
baseline
▲ 0.50% · 4.625%
HK$128,113
+HK$6,415/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$243,396/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,543
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$128,417
−HK$3,935/mo
Today · 4.125%
HK$132,352
baseline
▲ 0.50% · 4.625%
HK$140,406
+HK$8,054/mo
Deposit HK$18.21M · loan HK$27.31M · min. income ≈ HK$264,704/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,552
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$142,268
−HK$3,770/mo
Today · 4.125%
HK$146,038
baseline
▲ 0.50% · 4.625%
HK$153,736
+HK$7,698/mo
Deposit HK$18.21M · loan HK$27.31M · min. income ≈ HK$292,076/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,300
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$149,819
−HK$4,592/mo
Today · 4.125%
HK$154,411
baseline
▲ 0.50% · 4.625%
HK$163,807
+HK$9,396/mo
Deposit HK$13.65M · loan HK$31.86M · min. income ≈ HK$308,822/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,644
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$165,980
−HK$4,398/mo
Today · 4.125%
HK$170,378
baseline
▲ 0.50% · 4.625%
HK$179,358
+HK$8,980/mo
Deposit HK$13.65M · loan HK$31.86M · min. income ≈ HK$340,756/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,814
−HK$11,715/mo
▼ 0.25% · 3.875%
HK$192,625
−HK$5,904/mo
Today · 4.125%
HK$198,529
baseline
▲ 0.50% · 4.625%
HK$210,609
+HK$12,080/mo
Deposit HK$4.55M · loan HK$40.96M · min. income ≈ HK$397,058/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,828
−HK$11,229/mo
▼ 0.25% · 3.875%
HK$213,402
−HK$5,655/mo
Today · 4.125%
HK$219,057
baseline
▲ 0.50% · 4.625%
HK$230,604
+HK$11,547/mo
Deposit HK$4.55M · loan HK$40.96M · min. income ≈ HK$438,114/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,380 · Scale 2, in force from 26 Feb 2026)