LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,900
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,132
−HK$3,284/mo
Today · 4.125%
HK$110,416
baseline
▲ 0.50% · 4.625%
HK$117,134
+HK$6,718/mo
Deposit HK$22.78M · loan HK$22.78M · min. income ≈ HK$220,832/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,588
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,688
−HK$3,145/mo
Today · 4.125%
HK$121,833
baseline
▲ 0.50% · 4.625%
HK$128,255
+HK$6,422/mo
Deposit HK$22.78M · loan HK$22.78M · min. income ≈ HK$243,666/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,680
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,559
−HK$3,940/mo
Today · 4.125%
HK$132,499
baseline
▲ 0.50% · 4.625%
HK$140,561
+HK$8,062/mo
Deposit HK$18.23M · loan HK$27.34M · min. income ≈ HK$264,998/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,936,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,706
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,426
−HK$3,773/mo
Today · 4.125%
HK$146,199
baseline
▲ 0.50% · 4.625%
HK$153,906
+HK$7,707/mo
Deposit HK$18.23M · loan HK$27.34M · min. income ≈ HK$292,398/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,936,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,460
−HK$9,122/mo
▼ 0.25% · 3.875%
HK$149,985
−HK$4,597/mo
Today · 4.125%
HK$154,582
baseline
▲ 0.50% · 4.625%
HK$163,988
+HK$9,406/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$309,164/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,936,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,823
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$166,163
−HK$4,403/mo
Today · 4.125%
HK$170,566
baseline
▲ 0.50% · 4.625%
HK$179,557
+HK$8,991/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$341,132/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,936,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,021
−HK$11,727/mo
▼ 0.25% · 3.875%
HK$192,838
−HK$5,910/mo
Today · 4.125%
HK$198,748
baseline
▲ 0.50% · 4.625%
HK$210,842
+HK$12,094/mo
Deposit HK$4.56M · loan HK$41.01M · min. income ≈ HK$397,496/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,058
−HK$11,241/mo
▼ 0.25% · 3.875%
HK$213,638
−HK$5,661/mo
Today · 4.125%
HK$219,299
baseline
▲ 0.50% · 4.625%
HK$230,859
+HK$11,560/mo
Deposit HK$4.56M · loan HK$41.01M · min. income ≈ HK$438,598/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,520 · Scale 2, in force from 26 Feb 2026)