LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,125
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,364
−HK$3,291/mo
Today · 4.125%
HK$110,655
baseline
▲ 0.50% · 4.625%
HK$117,388
+HK$6,733/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$221,310/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,838
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,945
−HK$3,152/mo
Today · 4.125%
HK$122,097
baseline
▲ 0.50% · 4.625%
HK$128,533
+HK$6,436/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$244,194/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,950
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,837
−HK$3,949/mo
Today · 4.125%
HK$132,786
baseline
▲ 0.50% · 4.625%
HK$140,866
+HK$8,080/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$265,572/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,006
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$142,734
−HK$3,782/mo
Today · 4.125%
HK$146,516
baseline
▲ 0.50% · 4.625%
HK$154,239
+HK$7,723/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$293,032/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,775
−HK$9,142/mo
▼ 0.25% · 3.875%
HK$150,310
−HK$4,607/mo
Today · 4.125%
HK$154,917
baseline
▲ 0.50% · 4.625%
HK$164,343
+HK$9,426/mo
Deposit HK$13.70M · loan HK$31.96M · min. income ≈ HK$309,834/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,174
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,523
−HK$4,412/mo
Today · 4.125%
HK$170,935
baseline
▲ 0.50% · 4.625%
HK$179,946
+HK$9,011/mo
Deposit HK$13.70M · loan HK$31.96M · min. income ≈ HK$341,870/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,426
−HK$11,753/mo
▼ 0.25% · 3.875%
HK$193,256
−HK$5,923/mo
Today · 4.125%
HK$199,179
baseline
▲ 0.50% · 4.625%
HK$211,298
+HK$12,119/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$398,358/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,509
−HK$11,265/mo
▼ 0.25% · 3.875%
HK$214,101
−HK$5,673/mo
Today · 4.125%
HK$219,774
baseline
▲ 0.50% · 4.625%
HK$231,359
+HK$11,585/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$439,548/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,714 · Scale 2, in force from 26 Feb 2026)