LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,715
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,972
−HK$3,310/mo
Today · 4.125%
HK$111,282
baseline
▲ 0.50% · 4.625%
HK$118,053
+HK$6,771/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$222,564/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,495
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,619
−HK$3,170/mo
Today · 4.125%
HK$122,789
baseline
▲ 0.50% · 4.625%
HK$129,261
+HK$6,472/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$245,578/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,658
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,567
−HK$3,971/mo
Today · 4.125%
HK$133,538
baseline
▲ 0.50% · 4.625%
HK$141,664
+HK$8,126/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$267,076/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,794
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,543
−HK$3,803/mo
Today · 4.125%
HK$147,346
baseline
▲ 0.50% · 4.625%
HK$155,113
+HK$7,767/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$294,692/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,601
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$151,161
−HK$4,634/mo
Today · 4.125%
HK$155,795
baseline
▲ 0.50% · 4.625%
HK$165,274
+HK$9,479/mo
Deposit HK$13.78M · loan HK$32.15M · min. income ≈ HK$311,590/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,093
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,467
−HK$4,437/mo
Today · 4.125%
HK$171,904
baseline
▲ 0.50% · 4.625%
HK$180,965
+HK$9,061/mo
Deposit HK$13.78M · loan HK$32.15M · min. income ≈ HK$343,808/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,487
−HK$11,820/mo
▼ 0.25% · 3.875%
HK$194,350
−HK$5,957/mo
Today · 4.125%
HK$200,307
baseline
▲ 0.50% · 4.625%
HK$212,495
+HK$12,188/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$400,614/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,690
−HK$11,329/mo
▼ 0.25% · 3.875%
HK$215,314
−HK$5,705/mo
Today · 4.125%
HK$221,019
baseline
▲ 0.50% · 4.625%
HK$232,670
+HK$11,651/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$442,038/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,710 · Scale 2, in force from 26 Feb 2026)