LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,881
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,143
−HK$3,315/mo
Today · 4.125%
HK$111,458
baseline
▲ 0.50% · 4.625%
HK$118,240
+HK$6,782/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$222,916/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,679
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,808
−HK$3,175/mo
Today · 4.125%
HK$122,983
baseline
▲ 0.50% · 4.625%
HK$129,465
+HK$6,482/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$245,966/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,857
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$129,772
−HK$3,978/mo
Today · 4.125%
HK$133,750
baseline
▲ 0.50% · 4.625%
HK$141,888
+HK$8,138/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$267,500/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,015
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$143,770
−HK$3,809/mo
Today · 4.125%
HK$147,579
baseline
▲ 0.50% · 4.625%
HK$155,359
+HK$7,780/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$295,158/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,833
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$151,401
−HK$4,640/mo
Today · 4.125%
HK$156,041
baseline
▲ 0.50% · 4.625%
HK$165,536
+HK$9,495/mo
Deposit HK$13.80M · loan HK$32.20M · min. income ≈ HK$312,082/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,351
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$167,732
−HK$4,444/mo
Today · 4.125%
HK$172,176
baseline
▲ 0.50% · 4.625%
HK$181,252
+HK$9,076/mo
Deposit HK$13.80M · loan HK$32.20M · min. income ≈ HK$344,352/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,786
−HK$11,838/mo
▼ 0.25% · 3.875%
HK$194,658
−HK$5,966/mo
Today · 4.125%
HK$200,624
baseline
▲ 0.50% · 4.625%
HK$212,832
+HK$12,208/mo
Deposit HK$4.60M · loan HK$41.40M · min. income ≈ HK$401,248/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,022
−HK$11,347/mo
▼ 0.25% · 3.875%
HK$215,655
−HK$5,714/mo
Today · 4.125%
HK$221,369
baseline
▲ 0.50% · 4.625%
HK$233,038
+HK$11,669/mo
Deposit HK$4.60M · loan HK$41.40M · min. income ≈ HK$442,738/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,799 · Scale 2, in force from 26 Feb 2026)