LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,225
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,467
−HK$3,294/mo
Today · 4.125%
HK$110,761
baseline
▲ 0.50% · 4.625%
HK$117,501
+HK$6,740/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$221,522/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$1,942,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,950
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,059
−HK$3,155/mo
Today · 4.125%
HK$122,214
baseline
▲ 0.50% · 4.625%
HK$128,656
+HK$6,442/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$244,428/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$1,942,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,071
−HK$7,843/mo
▼ 0.25% · 3.875%
HK$128,961
−HK$3,953/mo
Today · 4.125%
HK$132,914
baseline
▲ 0.50% · 4.625%
HK$141,001
+HK$8,087/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$265,828/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,942,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,140
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,871
−HK$3,786/mo
Today · 4.125%
HK$146,657
baseline
▲ 0.50% · 4.625%
HK$154,387
+HK$7,730/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$293,314/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,942,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,916
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$150,454
−HK$4,612/mo
Today · 4.125%
HK$155,066
baseline
▲ 0.50% · 4.625%
HK$164,501
+HK$9,435/mo
Deposit HK$13.71M · loan HK$32.00M · min. income ≈ HK$310,132/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,330
−HK$8,770/mo
▼ 0.25% · 3.875%
HK$166,683
−HK$4,417/mo
Today · 4.125%
HK$171,100
baseline
▲ 0.50% · 4.625%
HK$180,119
+HK$9,019/mo
Deposit HK$13.71M · loan HK$32.00M · min. income ≈ HK$342,200/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,606
−HK$11,764/mo
▼ 0.25% · 3.875%
HK$193,441
−HK$5,929/mo
Today · 4.125%
HK$199,370
baseline
▲ 0.50% · 4.625%
HK$211,502
+HK$12,132/mo
Deposit HK$4.57M · loan HK$41.14M · min. income ≈ HK$398,740/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,710
−HK$11,275/mo
▼ 0.25% · 3.875%
HK$214,307
−HK$5,678/mo
Today · 4.125%
HK$219,985
baseline
▲ 0.50% · 4.625%
HK$231,581
+HK$11,596/mo
Deposit HK$4.57M · loan HK$41.14M · min. income ≈ HK$439,970/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,581 · Scale 2, in force from 26 Feb 2026)