LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,702
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,959
−HK$3,309/mo
Today · 4.125%
HK$111,268
baseline
▲ 0.50% · 4.625%
HK$118,038
+HK$6,770/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$222,536/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,480
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,604
−HK$3,169/mo
Today · 4.125%
HK$122,773
baseline
▲ 0.50% · 4.625%
HK$129,245
+HK$6,472/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$245,546/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,643
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,551
−HK$3,971/mo
Today · 4.125%
HK$133,522
baseline
▲ 0.50% · 4.625%
HK$141,646
+HK$8,124/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$267,044/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,776
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,525
−HK$3,803/mo
Today · 4.125%
HK$147,328
baseline
▲ 0.50% · 4.625%
HK$155,094
+HK$7,766/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$294,656/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,583
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$151,143
−HK$4,632/mo
Today · 4.125%
HK$155,775
baseline
▲ 0.50% · 4.625%
HK$165,254
+HK$9,479/mo
Deposit HK$13.78M · loan HK$32.14M · min. income ≈ HK$311,550/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,072
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,446
−HK$4,437/mo
Today · 4.125%
HK$171,883
baseline
▲ 0.50% · 4.625%
HK$180,943
+HK$9,060/mo
Deposit HK$13.78M · loan HK$32.14M · min. income ≈ HK$343,766/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,464
−HK$11,819/mo
▼ 0.25% · 3.875%
HK$194,327
−HK$5,956/mo
Today · 4.125%
HK$200,283
baseline
▲ 0.50% · 4.625%
HK$212,469
+HK$12,186/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$400,566/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,665
−HK$11,327/mo
▼ 0.25% · 3.875%
HK$215,288
−HK$5,704/mo
Today · 4.125%
HK$220,992
baseline
▲ 0.50% · 4.625%
HK$232,641
+HK$11,649/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$441,984/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,469 · Scale 2, in force from 26 Feb 2026)