LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,929
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,162
−HK$3,285/mo
Today · 4.125%
HK$110,447
baseline
▲ 0.50% · 4.625%
HK$117,167
+HK$6,720/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$220,894/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,620
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,721
−HK$3,146/mo
Today · 4.125%
HK$121,867
baseline
▲ 0.50% · 4.625%
HK$128,291
+HK$6,424/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$243,734/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,715
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,595
−HK$3,941/mo
Today · 4.125%
HK$132,536
baseline
▲ 0.50% · 4.625%
HK$140,601
+HK$8,065/mo
Deposit HK$18.23M · loan HK$27.35M · min. income ≈ HK$265,072/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,937,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,745
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,466
−HK$3,774/mo
Today · 4.125%
HK$146,240
baseline
▲ 0.50% · 4.625%
HK$153,949
+HK$7,709/mo
Deposit HK$18.23M · loan HK$27.35M · min. income ≈ HK$292,480/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,937,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,501
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$150,027
−HK$4,598/mo
Today · 4.125%
HK$154,625
baseline
▲ 0.50% · 4.625%
HK$164,034
+HK$9,409/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$309,250/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,937,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,869
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$166,210
−HK$4,404/mo
Today · 4.125%
HK$170,614
baseline
▲ 0.50% · 4.625%
HK$179,607
+HK$8,993/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$341,228/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,937,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,073
−HK$11,731/mo
▼ 0.25% · 3.875%
HK$192,892
−HK$5,912/mo
Today · 4.125%
HK$198,804
baseline
▲ 0.50% · 4.625%
HK$210,901
+HK$12,097/mo
Deposit HK$4.56M · loan HK$41.02M · min. income ≈ HK$397,608/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,937,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,117
−HK$11,244/mo
▼ 0.25% · 3.875%
HK$213,698
−HK$5,663/mo
Today · 4.125%
HK$219,361
baseline
▲ 0.50% · 4.625%
HK$230,924
+HK$11,563/mo
Deposit HK$4.56M · loan HK$41.02M · min. income ≈ HK$438,722/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,937,064 · Scale 2, in force from 26 Feb 2026)