LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,078
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,128
−HK$3,100/mo
Today · 4.125%
HK$104,228
baseline
▲ 0.50% · 4.625%
HK$110,570
+HK$6,342/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$208,456/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,110
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,037
−HK$2,968/mo
Today · 4.125%
HK$115,005
baseline
▲ 0.50% · 4.625%
HK$121,067
+HK$6,062/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$230,010/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,693
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$121,354
−HK$3,719/mo
Today · 4.125%
HK$125,073
baseline
▲ 0.50% · 4.625%
HK$132,684
+HK$7,611/mo
Deposit HK$17.20M · loan HK$25.81M · min. income ≈ HK$250,146/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,932
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$134,444
−HK$3,562/mo
Today · 4.125%
HK$138,006
baseline
▲ 0.50% · 4.625%
HK$145,281
+HK$7,275/mo
Deposit HK$17.20M · loan HK$25.81M · min. income ≈ HK$276,012/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,309
−HK$8,610/mo
▼ 0.25% · 3.875%
HK$141,580
−HK$4,339/mo
Today · 4.125%
HK$145,919
baseline
▲ 0.50% · 4.625%
HK$154,798
+HK$8,879/mo
Deposit HK$12.90M · loan HK$30.11M · min. income ≈ HK$291,838/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,754
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$156,851
−HK$4,156/mo
Today · 4.125%
HK$161,007
baseline
▲ 0.50% · 4.625%
HK$169,494
+HK$8,487/mo
Deposit HK$12.90M · loan HK$30.11M · min. income ≈ HK$322,014/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,540
−HK$11,070/mo
▼ 0.25% · 3.875%
HK$182,031
−HK$5,579/mo
Today · 4.125%
HK$187,610
baseline
▲ 0.50% · 4.625%
HK$199,026
+HK$11,416/mo
Deposit HK$4.30M · loan HK$38.71M · min. income ≈ HK$375,220/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,399
−HK$10,610/mo
▼ 0.25% · 3.875%
HK$201,666
−HK$5,343/mo
Today · 4.125%
HK$207,009
baseline
▲ 0.50% · 4.625%
HK$217,921
+HK$10,912/mo
Deposit HK$4.30M · loan HK$38.71M · min. income ≈ HK$414,018/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,995 · Scale 2, in force from 26 Feb 2026)