LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,885
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,147
−HK$3,315/mo
Today · 4.125%
HK$111,462
baseline
▲ 0.50% · 4.625%
HK$118,244
+HK$6,782/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$222,924/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,683
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,813
−HK$3,174/mo
Today · 4.125%
HK$122,987
baseline
▲ 0.50% · 4.625%
HK$129,470
+HK$6,483/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$245,974/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,862
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,777
−HK$3,977/mo
Today · 4.125%
HK$133,754
baseline
▲ 0.50% · 4.625%
HK$141,893
+HK$8,139/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$267,508/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,020
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$143,775
−HK$3,810/mo
Today · 4.125%
HK$147,585
baseline
▲ 0.50% · 4.625%
HK$155,364
+HK$7,779/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$295,170/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,839
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$151,406
−HK$4,641/mo
Today · 4.125%
HK$156,047
baseline
▲ 0.50% · 4.625%
HK$165,542
+HK$9,495/mo
Deposit HK$13.80M · loan HK$32.20M · min. income ≈ HK$312,094/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,356
−HK$8,826/mo
▼ 0.25% · 3.875%
HK$167,738
−HK$4,444/mo
Today · 4.125%
HK$172,182
baseline
▲ 0.50% · 4.625%
HK$181,258
+HK$9,076/mo
Deposit HK$13.80M · loan HK$32.20M · min. income ≈ HK$344,364/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,792
−HK$11,839/mo
▼ 0.25% · 3.875%
HK$194,665
−HK$5,966/mo
Today · 4.125%
HK$200,631
baseline
▲ 0.50% · 4.625%
HK$212,839
+HK$12,208/mo
Deposit HK$4.60M · loan HK$41.40M · min. income ≈ HK$401,262/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,030
−HK$11,347/mo
▼ 0.25% · 3.875%
HK$215,663
−HK$5,714/mo
Today · 4.125%
HK$221,377
baseline
▲ 0.50% · 4.625%
HK$233,046
+HK$11,669/mo
Deposit HK$4.60M · loan HK$41.40M · min. income ≈ HK$442,754/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,868 · Scale 2, in force from 26 Feb 2026)