LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,724
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,982
−HK$3,309/mo
Today · 4.125%
HK$111,291
baseline
▲ 0.50% · 4.625%
HK$118,063
+HK$6,772/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$222,582/mo (50% DSR)
Upfront cash ≈ HK$24.92M (deposit + AVD stamp duty HK$1,951,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,505
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,629
−HK$3,170/mo
Today · 4.125%
HK$122,799
baseline
▲ 0.50% · 4.625%
HK$129,272
+HK$6,473/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$245,598/mo (50% DSR)
Upfront cash ≈ HK$24.92M (deposit + AVD stamp duty HK$1,951,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,669
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$129,578
−HK$3,972/mo
Today · 4.125%
HK$133,550
baseline
▲ 0.50% · 4.625%
HK$141,676
+HK$8,126/mo
Deposit HK$18.37M · loan HK$27.56M · min. income ≈ HK$267,100/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,806
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,555
−HK$3,804/mo
Today · 4.125%
HK$147,359
baseline
▲ 0.50% · 4.625%
HK$155,126
+HK$7,767/mo
Deposit HK$18.37M · loan HK$27.56M · min. income ≈ HK$294,718/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,614
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$151,174
−HK$4,634/mo
Today · 4.125%
HK$155,808
baseline
▲ 0.50% · 4.625%
HK$165,288
+HK$9,480/mo
Deposit HK$13.78M · loan HK$32.15M · min. income ≈ HK$311,616/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,107
−HK$8,812/mo
▼ 0.25% · 3.875%
HK$167,481
−HK$4,438/mo
Today · 4.125%
HK$171,919
baseline
▲ 0.50% · 4.625%
HK$180,981
+HK$9,062/mo
Deposit HK$13.78M · loan HK$32.15M · min. income ≈ HK$343,838/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,504
−HK$11,820/mo
▼ 0.25% · 3.875%
HK$194,367
−HK$5,957/mo
Today · 4.125%
HK$200,324
baseline
▲ 0.50% · 4.625%
HK$212,514
+HK$12,190/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$400,648/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,708
−HK$11,330/mo
▼ 0.25% · 3.875%
HK$215,333
−HK$5,705/mo
Today · 4.125%
HK$221,038
baseline
▲ 0.50% · 4.625%
HK$232,689
+HK$11,651/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$442,076/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,877 · Scale 2, in force from 26 Feb 2026)