LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,018
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,253
−HK$3,287/mo
Today · 4.125%
HK$110,540
baseline
▲ 0.50% · 4.625%
HK$117,266
+HK$6,726/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$221,080/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,938,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,718
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,822
−HK$3,148/mo
Today · 4.125%
HK$121,970
baseline
▲ 0.50% · 4.625%
HK$128,400
+HK$6,430/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$243,940/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,938,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,821
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,704
−HK$3,944/mo
Today · 4.125%
HK$132,648
baseline
▲ 0.50% · 4.625%
HK$140,720
+HK$8,072/mo
Deposit HK$18.25M · loan HK$27.37M · min. income ≈ HK$265,296/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,938,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,862
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,586
−HK$3,778/mo
Today · 4.125%
HK$146,364
baseline
▲ 0.50% · 4.625%
HK$154,079
+HK$7,715/mo
Deposit HK$18.25M · loan HK$27.37M · min. income ≈ HK$292,728/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,938,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,625
−HK$9,131/mo
▼ 0.25% · 3.875%
HK$150,154
−HK$4,602/mo
Today · 4.125%
HK$154,756
baseline
▲ 0.50% · 4.625%
HK$164,173
+HK$9,417/mo
Deposit HK$13.68M · loan HK$31.93M · min. income ≈ HK$309,512/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,006
−HK$8,752/mo
▼ 0.25% · 3.875%
HK$166,351
−HK$4,407/mo
Today · 4.125%
HK$170,758
baseline
▲ 0.50% · 4.625%
HK$179,759
+HK$9,001/mo
Deposit HK$13.68M · loan HK$31.93M · min. income ≈ HK$341,516/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,232
−HK$11,741/mo
▼ 0.25% · 3.875%
HK$193,055
−HK$5,918/mo
Today · 4.125%
HK$198,973
baseline
▲ 0.50% · 4.625%
HK$211,080
+HK$12,107/mo
Deposit HK$4.56M · loan HK$41.05M · min. income ≈ HK$397,946/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,293
−HK$11,254/mo
▼ 0.25% · 3.875%
HK$213,880
−HK$5,667/mo
Today · 4.125%
HK$219,547
baseline
▲ 0.50% · 4.625%
HK$231,119
+HK$11,572/mo
Deposit HK$4.56M · loan HK$41.05M · min. income ≈ HK$439,094/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,705 · Scale 2, in force from 26 Feb 2026)