LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,726
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,983
−HK$3,310/mo
Today · 4.125%
HK$111,293
baseline
▲ 0.50% · 4.625%
HK$118,065
+HK$6,772/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$222,586/mo (50% DSR)
Upfront cash ≈ HK$24.92M (deposit + AVD stamp duty HK$1,951,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,506
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,631
−HK$3,170/mo
Today · 4.125%
HK$122,801
baseline
▲ 0.50% · 4.625%
HK$129,274
+HK$6,473/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$245,602/mo (50% DSR)
Upfront cash ≈ HK$24.92M (deposit + AVD stamp duty HK$1,951,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,671
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$129,580
−HK$3,972/mo
Today · 4.125%
HK$133,552
baseline
▲ 0.50% · 4.625%
HK$141,678
+HK$8,126/mo
Deposit HK$18.37M · loan HK$27.56M · min. income ≈ HK$267,104/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,808
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,557
−HK$3,804/mo
Today · 4.125%
HK$147,361
baseline
▲ 0.50% · 4.625%
HK$155,129
+HK$7,768/mo
Deposit HK$18.37M · loan HK$27.56M · min. income ≈ HK$294,722/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,616
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$151,177
−HK$4,633/mo
Today · 4.125%
HK$155,810
baseline
▲ 0.50% · 4.625%
HK$165,291
+HK$9,481/mo
Deposit HK$13.78M · loan HK$32.15M · min. income ≈ HK$311,620/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,109
−HK$8,812/mo
▼ 0.25% · 3.875%
HK$167,483
−HK$4,438/mo
Today · 4.125%
HK$171,921
baseline
▲ 0.50% · 4.625%
HK$180,983
+HK$9,062/mo
Deposit HK$13.78M · loan HK$32.15M · min. income ≈ HK$343,842/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,506
−HK$11,821/mo
▼ 0.25% · 3.875%
HK$194,370
−HK$5,957/mo
Today · 4.125%
HK$200,327
baseline
▲ 0.50% · 4.625%
HK$212,517
+HK$12,190/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$400,654/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,711
−HK$11,331/mo
▼ 0.25% · 3.875%
HK$215,336
−HK$5,706/mo
Today · 4.125%
HK$221,042
baseline
▲ 0.50% · 4.625%
HK$232,693
+HK$11,651/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$442,084/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,906 · Scale 2, in force from 26 Feb 2026)