LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,675
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$107,931
−HK$3,308/mo
Today · 4.125%
HK$111,239
baseline
▲ 0.50% · 4.625%
HK$118,008
+HK$6,769/mo
Deposit HK$22.95M · loan HK$22.95M · min. income ≈ HK$222,478/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$1,950,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,450
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,573
−HK$3,169/mo
Today · 4.125%
HK$122,742
baseline
▲ 0.50% · 4.625%
HK$129,212
+HK$6,470/mo
Deposit HK$22.95M · loan HK$22.95M · min. income ≈ HK$245,484/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$1,950,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,610
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$129,518
−HK$3,969/mo
Today · 4.125%
HK$133,487
baseline
▲ 0.50% · 4.625%
HK$141,610
+HK$8,123/mo
Deposit HK$18.36M · loan HK$27.54M · min. income ≈ HK$266,974/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,950,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,740
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$143,488
−HK$3,802/mo
Today · 4.125%
HK$147,290
baseline
▲ 0.50% · 4.625%
HK$155,054
+HK$7,764/mo
Deposit HK$18.36M · loan HK$27.54M · min. income ≈ HK$294,580/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,950,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,545
−HK$9,190/mo
▼ 0.25% · 3.875%
HK$151,104
−HK$4,631/mo
Today · 4.125%
HK$155,735
baseline
▲ 0.50% · 4.625%
HK$165,211
+HK$9,476/mo
Deposit HK$13.77M · loan HK$32.13M · min. income ≈ HK$311,470/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,030
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$167,403
−HK$4,435/mo
Today · 4.125%
HK$171,838
baseline
▲ 0.50% · 4.625%
HK$180,896
+HK$9,058/mo
Deposit HK$13.77M · loan HK$32.13M · min. income ≈ HK$343,676/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,416
−HK$11,815/mo
▼ 0.25% · 3.875%
HK$194,276
−HK$5,955/mo
Today · 4.125%
HK$200,231
baseline
▲ 0.50% · 4.625%
HK$212,414
+HK$12,183/mo
Deposit HK$4.59M · loan HK$41.31M · min. income ≈ HK$400,462/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,610
−HK$11,325/mo
▼ 0.25% · 3.875%
HK$215,232
−HK$5,703/mo
Today · 4.125%
HK$220,935
baseline
▲ 0.50% · 4.625%
HK$232,581
+HK$11,646/mo
Deposit HK$4.59M · loan HK$41.31M · min. income ≈ HK$441,870/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,966 · Scale 2, in force from 26 Feb 2026)