LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,110
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,348
−HK$3,290/mo
Today · 4.125%
HK$110,638
baseline
▲ 0.50% · 4.625%
HK$117,370
+HK$6,732/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$221,276/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,821
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,927
−HK$3,151/mo
Today · 4.125%
HK$122,078
baseline
▲ 0.50% · 4.625%
HK$128,513
+HK$6,435/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$244,156/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,931
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,818
−HK$3,948/mo
Today · 4.125%
HK$132,766
baseline
▲ 0.50% · 4.625%
HK$140,844
+HK$8,078/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$265,532/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,940,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,985
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$142,713
−HK$3,781/mo
Today · 4.125%
HK$146,494
baseline
▲ 0.50% · 4.625%
HK$154,216
+HK$7,722/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$292,988/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,940,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,753
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$150,287
−HK$4,606/mo
Today · 4.125%
HK$154,893
baseline
▲ 0.50% · 4.625%
HK$164,318
+HK$9,425/mo
Deposit HK$13.70M · loan HK$31.96M · min. income ≈ HK$309,786/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,149
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,498
−HK$4,412/mo
Today · 4.125%
HK$170,910
baseline
▲ 0.50% · 4.625%
HK$179,919
+HK$9,009/mo
Deposit HK$13.70M · loan HK$31.96M · min. income ≈ HK$341,820/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,397
−HK$11,752/mo
▼ 0.25% · 3.875%
HK$193,226
−HK$5,923/mo
Today · 4.125%
HK$199,149
baseline
▲ 0.50% · 4.625%
HK$211,266
+HK$12,117/mo
Deposit HK$4.57M · loan HK$41.09M · min. income ≈ HK$398,298/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,478
−HK$11,263/mo
▼ 0.25% · 3.875%
HK$214,069
−HK$5,672/mo
Today · 4.125%
HK$219,741
baseline
▲ 0.50% · 4.625%
HK$231,324
+HK$11,583/mo
Deposit HK$4.57M · loan HK$41.09M · min. income ≈ HK$439,482/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,421 · Scale 2, in force from 26 Feb 2026)