LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,034
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,270
−HK$3,288/mo
Today · 4.125%
HK$110,558
baseline
▲ 0.50% · 4.625%
HK$117,285
+HK$6,727/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$221,116/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,939,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,737
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,841
−HK$3,149/mo
Today · 4.125%
HK$121,990
baseline
▲ 0.50% · 4.625%
HK$128,420
+HK$6,430/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$243,980/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,939,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,841
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,724
−HK$3,945/mo
Today · 4.125%
HK$132,669
baseline
▲ 0.50% · 4.625%
HK$140,742
+HK$8,073/mo
Deposit HK$18.25M · loan HK$27.37M · min. income ≈ HK$265,338/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,939,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,884
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$142,609
−HK$3,778/mo
Today · 4.125%
HK$146,387
baseline
▲ 0.50% · 4.625%
HK$154,104
+HK$7,717/mo
Deposit HK$18.25M · loan HK$27.37M · min. income ≈ HK$292,774/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,939,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,647
−HK$9,134/mo
▼ 0.25% · 3.875%
HK$150,178
−HK$4,603/mo
Today · 4.125%
HK$154,781
baseline
▲ 0.50% · 4.625%
HK$164,199
+HK$9,418/mo
Deposit HK$13.69M · loan HK$31.94M · min. income ≈ HK$309,562/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,031
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$166,377
−HK$4,408/mo
Today · 4.125%
HK$170,785
baseline
▲ 0.50% · 4.625%
HK$179,788
+HK$9,003/mo
Deposit HK$13.69M · loan HK$31.94M · min. income ≈ HK$341,570/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,261
−HK$11,743/mo
▼ 0.25% · 3.875%
HK$193,086
−HK$5,918/mo
Today · 4.125%
HK$199,004
baseline
▲ 0.50% · 4.625%
HK$211,113
+HK$12,109/mo
Deposit HK$4.56M · loan HK$41.06M · min. income ≈ HK$398,008/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,326
−HK$11,255/mo
▼ 0.25% · 3.875%
HK$213,913
−HK$5,668/mo
Today · 4.125%
HK$219,581
baseline
▲ 0.50% · 4.625%
HK$231,156
+HK$11,575/mo
Deposit HK$4.56M · loan HK$41.06M · min. income ≈ HK$439,162/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,010 · Scale 2, in force from 26 Feb 2026)