LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,978
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,213
−HK$3,286/mo
Today · 4.125%
HK$110,499
baseline
▲ 0.50% · 4.625%
HK$117,222
+HK$6,723/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$220,998/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,937,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,675
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,777
−HK$3,147/mo
Today · 4.125%
HK$121,924
baseline
▲ 0.50% · 4.625%
HK$128,351
+HK$6,427/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,848/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,937,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,774
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,655
−HK$3,943/mo
Today · 4.125%
HK$132,598
baseline
▲ 0.50% · 4.625%
HK$140,667
+HK$8,069/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,196/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,937,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,810
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,533
−HK$3,776/mo
Today · 4.125%
HK$146,309
baseline
▲ 0.50% · 4.625%
HK$154,021
+HK$7,712/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,618/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,937,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,570
−HK$9,128/mo
▼ 0.25% · 3.875%
HK$150,098
−HK$4,600/mo
Today · 4.125%
HK$154,698
baseline
▲ 0.50% · 4.625%
HK$164,111
+HK$9,413/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,396/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,945
−HK$8,749/mo
▼ 0.25% · 3.875%
HK$166,288
−HK$4,406/mo
Today · 4.125%
HK$170,694
baseline
▲ 0.50% · 4.625%
HK$179,692
+HK$8,998/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,388/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,161
−HK$11,737/mo
▼ 0.25% · 3.875%
HK$192,983
−HK$5,915/mo
Today · 4.125%
HK$198,898
baseline
▲ 0.50% · 4.625%
HK$211,000
+HK$12,102/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$397,796/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,215
−HK$11,249/mo
▼ 0.25% · 3.875%
HK$213,799
−HK$5,665/mo
Today · 4.125%
HK$219,464
baseline
▲ 0.50% · 4.625%
HK$231,032
+HK$11,568/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$438,928/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,975 · Scale 2, in force from 26 Feb 2026)