LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,957
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,191
−HK$3,285/mo
Today · 4.125%
HK$110,476
baseline
▲ 0.50% · 4.625%
HK$117,198
+HK$6,722/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$220,952/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,651
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,753
−HK$3,147/mo
Today · 4.125%
HK$121,900
baseline
▲ 0.50% · 4.625%
HK$128,325
+HK$6,425/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,800/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,749
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,629
−HK$3,942/mo
Today · 4.125%
HK$132,571
baseline
▲ 0.50% · 4.625%
HK$140,638
+HK$8,067/mo
Deposit HK$18.24M · loan HK$27.35M · min. income ≈ HK$265,142/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,937,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,782
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$142,504
−HK$3,776/mo
Today · 4.125%
HK$146,280
baseline
▲ 0.50% · 4.625%
HK$153,990
+HK$7,710/mo
Deposit HK$18.24M · loan HK$27.35M · min. income ≈ HK$292,560/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,937,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,540
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$150,067
−HK$4,600/mo
Today · 4.125%
HK$154,667
baseline
▲ 0.50% · 4.625%
HK$164,078
+HK$9,411/mo
Deposit HK$13.68M · loan HK$31.91M · min. income ≈ HK$309,334/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,937,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,912
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$166,254
−HK$4,405/mo
Today · 4.125%
HK$170,659
baseline
▲ 0.50% · 4.625%
HK$179,655
+HK$8,996/mo
Deposit HK$13.68M · loan HK$31.91M · min. income ≈ HK$341,318/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,937,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,123
−HK$11,734/mo
▼ 0.25% · 3.875%
HK$192,944
−HK$5,913/mo
Today · 4.125%
HK$198,857
baseline
▲ 0.50% · 4.625%
HK$210,957
+HK$12,100/mo
Deposit HK$4.56M · loan HK$41.03M · min. income ≈ HK$397,714/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,172
−HK$11,247/mo
▼ 0.25% · 3.875%
HK$213,756
−HK$5,663/mo
Today · 4.125%
HK$219,419
baseline
▲ 0.50% · 4.625%
HK$230,985
+HK$11,566/mo
Deposit HK$4.56M · loan HK$41.03M · min. income ≈ HK$438,838/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,581 · Scale 2, in force from 26 Feb 2026)