LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,646
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,901
−HK$3,307/mo
Today · 4.125%
HK$111,208
baseline
▲ 0.50% · 4.625%
HK$117,975
+HK$6,767/mo
Deposit HK$22.95M · loan HK$22.95M · min. income ≈ HK$222,416/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$1,950,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,417
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,540
−HK$3,167/mo
Today · 4.125%
HK$122,707
baseline
▲ 0.50% · 4.625%
HK$129,175
+HK$6,468/mo
Deposit HK$22.95M · loan HK$22.95M · min. income ≈ HK$245,414/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$1,950,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,575
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$129,481
−HK$3,969/mo
Today · 4.125%
HK$133,450
baseline
▲ 0.50% · 4.625%
HK$141,570
+HK$8,120/mo
Deposit HK$18.36M · loan HK$27.54M · min. income ≈ HK$266,900/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,950,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,701
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$143,448
−HK$3,800/mo
Today · 4.125%
HK$147,248
baseline
▲ 0.50% · 4.625%
HK$155,010
+HK$7,762/mo
Deposit HK$18.36M · loan HK$27.54M · min. income ≈ HK$294,496/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,950,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,504
−HK$9,187/mo
▼ 0.25% · 3.875%
HK$151,061
−HK$4,630/mo
Today · 4.125%
HK$155,691
baseline
▲ 0.50% · 4.625%
HK$165,165
+HK$9,474/mo
Deposit HK$13.77M · loan HK$32.12M · min. income ≈ HK$311,382/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,984
−HK$8,806/mo
▼ 0.25% · 3.875%
HK$167,355
−HK$4,435/mo
Today · 4.125%
HK$171,790
baseline
▲ 0.50% · 4.625%
HK$180,845
+HK$9,055/mo
Deposit HK$13.77M · loan HK$32.12M · min. income ≈ HK$343,580/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,362
−HK$11,812/mo
▼ 0.25% · 3.875%
HK$194,222
−HK$5,952/mo
Today · 4.125%
HK$200,174
baseline
▲ 0.50% · 4.625%
HK$212,355
+HK$12,181/mo
Deposit HK$4.59M · loan HK$41.30M · min. income ≈ HK$400,348/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,551
−HK$11,322/mo
▼ 0.25% · 3.875%
HK$215,171
−HK$5,702/mo
Today · 4.125%
HK$220,873
baseline
▲ 0.50% · 4.625%
HK$232,515
+HK$11,642/mo
Deposit HK$4.59M · loan HK$41.30M · min. income ≈ HK$441,746/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,415 · Scale 2, in force from 26 Feb 2026)