LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,133
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,372
−HK$3,291/mo
Today · 4.125%
HK$110,663
baseline
▲ 0.50% · 4.625%
HK$117,397
+HK$6,734/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$221,326/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,847
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,954
−HK$3,152/mo
Today · 4.125%
HK$122,106
baseline
▲ 0.50% · 4.625%
HK$128,542
+HK$6,436/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$244,212/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,960
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,847
−HK$3,949/mo
Today · 4.125%
HK$132,796
baseline
▲ 0.50% · 4.625%
HK$140,876
+HK$8,080/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$265,592/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,016
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$142,745
−HK$3,782/mo
Today · 4.125%
HK$146,527
baseline
▲ 0.50% · 4.625%
HK$154,251
+HK$7,724/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$293,054/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,786
−HK$9,142/mo
▼ 0.25% · 3.875%
HK$150,321
−HK$4,607/mo
Today · 4.125%
HK$154,928
baseline
▲ 0.50% · 4.625%
HK$164,355
+HK$9,427/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$309,856/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,186
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$166,536
−HK$4,412/mo
Today · 4.125%
HK$170,948
baseline
▲ 0.50% · 4.625%
HK$179,959
+HK$9,011/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$341,896/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,440
−HK$11,754/mo
▼ 0.25% · 3.875%
HK$193,270
−HK$5,924/mo
Today · 4.125%
HK$199,194
baseline
▲ 0.50% · 4.625%
HK$211,314
+HK$12,120/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$398,388/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,525
−HK$11,266/mo
▼ 0.25% · 3.875%
HK$214,117
−HK$5,674/mo
Today · 4.125%
HK$219,791
baseline
▲ 0.50% · 4.625%
HK$231,376
+HK$11,585/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$439,582/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,860 · Scale 2, in force from 26 Feb 2026)