LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,718
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,975
−HK$3,310/mo
Today · 4.125%
HK$111,285
baseline
▲ 0.50% · 4.625%
HK$118,056
+HK$6,771/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$222,570/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,498
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,622
−HK$3,170/mo
Today · 4.125%
HK$122,792
baseline
▲ 0.50% · 4.625%
HK$129,264
+HK$6,472/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$245,584/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,662
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,570
−HK$3,972/mo
Today · 4.125%
HK$133,542
baseline
▲ 0.50% · 4.625%
HK$141,667
+HK$8,125/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$267,084/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,797
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,546
−HK$3,804/mo
Today · 4.125%
HK$147,350
baseline
▲ 0.50% · 4.625%
HK$155,117
+HK$7,767/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$294,700/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,605
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$151,165
−HK$4,634/mo
Today · 4.125%
HK$155,799
baseline
▲ 0.50% · 4.625%
HK$165,279
+HK$9,480/mo
Deposit HK$13.78M · loan HK$32.15M · min. income ≈ HK$311,598/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,097
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,471
−HK$4,437/mo
Today · 4.125%
HK$171,908
baseline
▲ 0.50% · 4.625%
HK$180,970
+HK$9,062/mo
Deposit HK$13.78M · loan HK$32.15M · min. income ≈ HK$343,816/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,492
−HK$11,820/mo
▼ 0.25% · 3.875%
HK$194,355
−HK$5,957/mo
Today · 4.125%
HK$200,312
baseline
▲ 0.50% · 4.625%
HK$212,501
+HK$12,189/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$400,624/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,696
−HK$11,329/mo
▼ 0.25% · 3.875%
HK$215,320
−HK$5,705/mo
Today · 4.125%
HK$221,025
baseline
▲ 0.50% · 4.625%
HK$232,676
+HK$11,651/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$442,050/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,760 · Scale 2, in force from 26 Feb 2026)