LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,970
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,204
−HK$3,285/mo
Today · 4.125%
HK$110,489
baseline
▲ 0.50% · 4.625%
HK$117,213
+HK$6,724/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$220,978/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,937,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,665
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,767
−HK$3,147/mo
Today · 4.125%
HK$121,914
baseline
▲ 0.50% · 4.625%
HK$128,341
+HK$6,427/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,828/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,937,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,764
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,644
−HK$3,943/mo
Today · 4.125%
HK$132,587
baseline
▲ 0.50% · 4.625%
HK$140,655
+HK$8,068/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,174/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,937,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,798
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,521
−HK$3,776/mo
Today · 4.125%
HK$146,297
baseline
▲ 0.50% · 4.625%
HK$154,009
+HK$7,712/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,594/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,937,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,558
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$150,085
−HK$4,600/mo
Today · 4.125%
HK$154,685
baseline
▲ 0.50% · 4.625%
HK$164,098
+HK$9,413/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,370/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,931
−HK$8,749/mo
▼ 0.25% · 3.875%
HK$166,274
−HK$4,406/mo
Today · 4.125%
HK$170,680
baseline
▲ 0.50% · 4.625%
HK$179,677
+HK$8,997/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,360/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,145
−HK$11,736/mo
▼ 0.25% · 3.875%
HK$192,967
−HK$5,914/mo
Today · 4.125%
HK$198,881
baseline
▲ 0.50% · 4.625%
HK$210,983
+HK$12,102/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$397,762/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,197
−HK$11,249/mo
▼ 0.25% · 3.875%
HK$213,781
−HK$5,665/mo
Today · 4.125%
HK$219,446
baseline
▲ 0.50% · 4.625%
HK$231,013
+HK$11,567/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$438,892/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,814 · Scale 2, in force from 26 Feb 2026)