LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,132
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,372
−HK$3,290/mo
Today · 4.125%
HK$110,662
baseline
▲ 0.50% · 4.625%
HK$117,396
+HK$6,734/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$221,324/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,846
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,953
−HK$3,152/mo
Today · 4.125%
HK$122,105
baseline
▲ 0.50% · 4.625%
HK$128,541
+HK$6,436/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$244,210/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,959
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,846
−HK$3,949/mo
Today · 4.125%
HK$132,795
baseline
▲ 0.50% · 4.625%
HK$140,875
+HK$8,080/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$265,590/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,016
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$142,744
−HK$3,782/mo
Today · 4.125%
HK$146,526
baseline
▲ 0.50% · 4.625%
HK$154,250
+HK$7,724/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$293,052/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,785
−HK$9,142/mo
▼ 0.25% · 3.875%
HK$150,320
−HK$4,607/mo
Today · 4.125%
HK$154,927
baseline
▲ 0.50% · 4.625%
HK$164,354
+HK$9,427/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$309,854/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,185
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$166,534
−HK$4,413/mo
Today · 4.125%
HK$170,947
baseline
▲ 0.50% · 4.625%
HK$179,958
+HK$9,011/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$341,894/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,438
−HK$11,754/mo
▼ 0.25% · 3.875%
HK$193,269
−HK$5,923/mo
Today · 4.125%
HK$199,192
baseline
▲ 0.50% · 4.625%
HK$211,313
+HK$12,121/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$398,384/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,523
−HK$11,266/mo
▼ 0.25% · 3.875%
HK$214,116
−HK$5,673/mo
Today · 4.125%
HK$219,789
baseline
▲ 0.50% · 4.625%
HK$231,375
+HK$11,586/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$439,578/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,847 · Scale 2, in force from 26 Feb 2026)