LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,964
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,198
−HK$3,286/mo
Today · 4.125%
HK$110,484
baseline
▲ 0.50% · 4.625%
HK$117,206
+HK$6,722/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$220,968/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,659
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,761
−HK$3,147/mo
Today · 4.125%
HK$121,908
baseline
▲ 0.50% · 4.625%
HK$128,334
+HK$6,426/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,816/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,757
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,638
−HK$3,942/mo
Today · 4.125%
HK$132,580
baseline
▲ 0.50% · 4.625%
HK$140,647
+HK$8,067/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,160/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,937,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,791
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$142,513
−HK$3,776/mo
Today · 4.125%
HK$146,289
baseline
▲ 0.50% · 4.625%
HK$154,000
+HK$7,711/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,578/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,937,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,550
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$150,077
−HK$4,600/mo
Today · 4.125%
HK$154,677
baseline
▲ 0.50% · 4.625%
HK$164,089
+HK$9,412/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,354/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,923
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$166,265
−HK$4,406/mo
Today · 4.125%
HK$170,671
baseline
▲ 0.50% · 4.625%
HK$179,667
+HK$8,996/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,342/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,135
−HK$11,735/mo
▼ 0.25% · 3.875%
HK$192,956
−HK$5,914/mo
Today · 4.125%
HK$198,870
baseline
▲ 0.50% · 4.625%
HK$210,971
+HK$12,101/mo
Deposit HK$4.56M · loan HK$41.03M · min. income ≈ HK$397,740/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,186
−HK$11,248/mo
▼ 0.25% · 3.875%
HK$213,770
−HK$5,664/mo
Today · 4.125%
HK$219,434
baseline
▲ 0.50% · 4.625%
HK$231,000
+HK$11,566/mo
Deposit HK$4.56M · loan HK$41.03M · min. income ≈ HK$438,868/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,709 · Scale 2, in force from 26 Feb 2026)