LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,834
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,064
−HK$3,281/mo
Today · 4.125%
HK$110,345
baseline
▲ 0.50% · 4.625%
HK$117,060
+HK$6,715/mo
Deposit HK$22.77M · loan HK$22.77M · min. income ≈ HK$220,690/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$1,935,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,514
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,612
−HK$3,143/mo
Today · 4.125%
HK$121,755
baseline
▲ 0.50% · 4.625%
HK$128,173
+HK$6,418/mo
Deposit HK$22.77M · loan HK$22.77M · min. income ≈ HK$243,510/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$1,935,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,601
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$128,477
−HK$3,937/mo
Today · 4.125%
HK$132,414
baseline
▲ 0.50% · 4.625%
HK$140,471
+HK$8,057/mo
Deposit HK$18.21M · loan HK$27.32M · min. income ≈ HK$264,828/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,935,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,617
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$142,335
−HK$3,771/mo
Today · 4.125%
HK$146,106
baseline
▲ 0.50% · 4.625%
HK$153,808
+HK$7,702/mo
Deposit HK$18.21M · loan HK$27.32M · min. income ≈ HK$292,212/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,935,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,368
−HK$9,115/mo
▼ 0.25% · 3.875%
HK$149,889
−HK$4,594/mo
Today · 4.125%
HK$154,483
baseline
▲ 0.50% · 4.625%
HK$163,883
+HK$9,400/mo
Deposit HK$13.66M · loan HK$31.88M · min. income ≈ HK$308,966/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,935,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,720
−HK$8,737/mo
▼ 0.25% · 3.875%
HK$166,057
−HK$4,400/mo
Today · 4.125%
HK$170,457
baseline
▲ 0.50% · 4.625%
HK$179,442
+HK$8,985/mo
Deposit HK$13.66M · loan HK$31.88M · min. income ≈ HK$340,914/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,935,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,901
−HK$11,720/mo
▼ 0.25% · 3.875%
HK$192,715
−HK$5,906/mo
Today · 4.125%
HK$198,621
baseline
▲ 0.50% · 4.625%
HK$210,707
+HK$12,086/mo
Deposit HK$4.55M · loan HK$40.98M · min. income ≈ HK$397,242/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,935,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,926
−HK$11,233/mo
▼ 0.25% · 3.875%
HK$213,502
−HK$5,657/mo
Today · 4.125%
HK$219,159
baseline
▲ 0.50% · 4.625%
HK$230,711
+HK$11,552/mo
Deposit HK$4.55M · loan HK$40.98M · min. income ≈ HK$438,318/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,935,284 · Scale 2, in force from 26 Feb 2026)