LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,982
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,216
−HK$3,286/mo
Today · 4.125%
HK$110,502
baseline
▲ 0.50% · 4.625%
HK$117,226
+HK$6,724/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$221,004/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,679
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,781
−HK$3,147/mo
Today · 4.125%
HK$121,928
baseline
▲ 0.50% · 4.625%
HK$128,355
+HK$6,427/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,856/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,778
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$128,659
−HK$3,944/mo
Today · 4.125%
HK$132,603
baseline
▲ 0.50% · 4.625%
HK$140,671
+HK$8,068/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,206/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,814
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$142,537
−HK$3,777/mo
Today · 4.125%
HK$146,314
baseline
▲ 0.50% · 4.625%
HK$154,026
+HK$7,712/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,628/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,574
−HK$9,129/mo
▼ 0.25% · 3.875%
HK$150,102
−HK$4,601/mo
Today · 4.125%
HK$154,703
baseline
▲ 0.50% · 4.625%
HK$164,116
+HK$9,413/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,406/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,950
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$166,293
−HK$4,407/mo
Today · 4.125%
HK$170,700
baseline
▲ 0.50% · 4.625%
HK$179,697
+HK$8,997/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,400/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,167
−HK$11,737/mo
▼ 0.25% · 3.875%
HK$192,989
−HK$5,915/mo
Today · 4.125%
HK$198,904
baseline
▲ 0.50% · 4.625%
HK$211,007
+HK$12,103/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$397,808/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,221
−HK$11,250/mo
▼ 0.25% · 3.875%
HK$213,806
−HK$5,665/mo
Today · 4.125%
HK$219,471
baseline
▲ 0.50% · 4.625%
HK$231,040
+HK$11,569/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$438,942/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,037 · Scale 2, in force from 26 Feb 2026)