LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,993
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,228
−HK$3,286/mo
Today · 4.125%
HK$110,514
baseline
▲ 0.50% · 4.625%
HK$117,239
+HK$6,725/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$221,028/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,691
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,794
−HK$3,148/mo
Today · 4.125%
HK$121,942
baseline
▲ 0.50% · 4.625%
HK$128,369
+HK$6,427/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,884/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,792
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$128,673
−HK$3,944/mo
Today · 4.125%
HK$132,617
baseline
▲ 0.50% · 4.625%
HK$140,687
+HK$8,070/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,234/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,829
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,553
−HK$3,777/mo
Today · 4.125%
HK$146,330
baseline
▲ 0.50% · 4.625%
HK$154,043
+HK$7,713/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,660/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,590
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$150,119
−HK$4,601/mo
Today · 4.125%
HK$154,720
baseline
▲ 0.50% · 4.625%
HK$164,134
+HK$9,414/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,440/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,968
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$166,312
−HK$4,406/mo
Today · 4.125%
HK$170,718
baseline
▲ 0.50% · 4.625%
HK$179,717
+HK$8,999/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,436/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,187
−HK$11,739/mo
▼ 0.25% · 3.875%
HK$193,010
−HK$5,916/mo
Today · 4.125%
HK$198,926
baseline
▲ 0.50% · 4.625%
HK$211,030
+HK$12,104/mo
Deposit HK$4.56M · loan HK$41.05M · min. income ≈ HK$397,852/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,244
−HK$11,251/mo
▼ 0.25% · 3.875%
HK$213,829
−HK$5,666/mo
Today · 4.125%
HK$219,495
baseline
▲ 0.50% · 4.625%
HK$231,065
+HK$11,570/mo
Deposit HK$4.56M · loan HK$41.05M · min. income ≈ HK$438,990/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,249 · Scale 2, in force from 26 Feb 2026)