LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,811
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,040
−HK$3,281/mo
Today · 4.125%
HK$110,321
baseline
▲ 0.50% · 4.625%
HK$117,034
+HK$6,713/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$220,642/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$1,934,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,489
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,586
−HK$3,143/mo
Today · 4.125%
HK$121,729
baseline
▲ 0.50% · 4.625%
HK$128,145
+HK$6,416/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$243,458/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$1,934,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,574
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,449
−HK$3,936/mo
Today · 4.125%
HK$132,385
baseline
▲ 0.50% · 4.625%
HK$140,441
+HK$8,056/mo
Deposit HK$18.21M · loan HK$27.32M · min. income ≈ HK$264,770/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,934,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,587
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,304
−HK$3,770/mo
Today · 4.125%
HK$146,074
baseline
▲ 0.50% · 4.625%
HK$153,774
+HK$7,700/mo
Deposit HK$18.21M · loan HK$27.32M · min. income ≈ HK$292,148/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,934,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,336
−HK$9,114/mo
▼ 0.25% · 3.875%
HK$149,857
−HK$4,593/mo
Today · 4.125%
HK$154,450
baseline
▲ 0.50% · 4.625%
HK$163,848
+HK$9,398/mo
Deposit HK$13.66M · loan HK$31.87M · min. income ≈ HK$308,900/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,685
−HK$8,735/mo
▼ 0.25% · 3.875%
HK$166,021
−HK$4,399/mo
Today · 4.125%
HK$170,420
baseline
▲ 0.50% · 4.625%
HK$179,403
+HK$8,983/mo
Deposit HK$13.66M · loan HK$31.87M · min. income ≈ HK$340,840/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,860
−HK$11,718/mo
▼ 0.25% · 3.875%
HK$192,673
−HK$5,905/mo
Today · 4.125%
HK$198,578
baseline
▲ 0.50% · 4.625%
HK$210,661
+HK$12,083/mo
Deposit HK$4.55M · loan HK$40.97M · min. income ≈ HK$397,156/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,880
−HK$11,231/mo
▼ 0.25% · 3.875%
HK$213,456
−HK$5,655/mo
Today · 4.125%
HK$219,111
baseline
▲ 0.50% · 4.625%
HK$230,661
+HK$11,550/mo
Deposit HK$4.55M · loan HK$40.97M · min. income ≈ HK$438,222/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,863 · Scale 2, in force from 26 Feb 2026)