LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,704
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,961
−HK$3,309/mo
Today · 4.125%
HK$111,270
baseline
▲ 0.50% · 4.625%
HK$118,040
+HK$6,770/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$222,540/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,482
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,606
−HK$3,169/mo
Today · 4.125%
HK$122,775
baseline
▲ 0.50% · 4.625%
HK$129,247
+HK$6,472/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$245,550/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,645
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,553
−HK$3,971/mo
Today · 4.125%
HK$133,524
baseline
▲ 0.50% · 4.625%
HK$141,648
+HK$8,124/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$267,048/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,778
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,527
−HK$3,803/mo
Today · 4.125%
HK$147,330
baseline
▲ 0.50% · 4.625%
HK$155,096
+HK$7,766/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$294,660/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,585
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$151,145
−HK$4,633/mo
Today · 4.125%
HK$155,778
baseline
▲ 0.50% · 4.625%
HK$165,256
+HK$9,478/mo
Deposit HK$13.78M · loan HK$32.14M · min. income ≈ HK$311,556/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,075
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$167,448
−HK$4,437/mo
Today · 4.125%
HK$171,885
baseline
▲ 0.50% · 4.625%
HK$180,945
+HK$9,060/mo
Deposit HK$13.78M · loan HK$32.14M · min. income ≈ HK$343,770/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,467
−HK$11,818/mo
▼ 0.25% · 3.875%
HK$194,329
−HK$5,956/mo
Today · 4.125%
HK$200,285
baseline
▲ 0.50% · 4.625%
HK$212,472
+HK$12,187/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$400,570/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,667
−HK$11,328/mo
▼ 0.25% · 3.875%
HK$215,291
−HK$5,704/mo
Today · 4.125%
HK$220,995
baseline
▲ 0.50% · 4.625%
HK$232,644
+HK$11,649/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$441,990/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,497 · Scale 2, in force from 26 Feb 2026)