LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,099
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,150
−HK$3,100/mo
Today · 4.125%
HK$104,250
baseline
▲ 0.50% · 4.625%
HK$110,594
+HK$6,344/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$208,500/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,134
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,061
−HK$2,969/mo
Today · 4.125%
HK$115,030
baseline
▲ 0.50% · 4.625%
HK$121,093
+HK$6,063/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$230,060/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,718
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$121,380
−HK$3,720/mo
Today · 4.125%
HK$125,100
baseline
▲ 0.50% · 4.625%
HK$132,713
+HK$7,613/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$250,200/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,961
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,473
−HK$3,563/mo
Today · 4.125%
HK$138,036
baseline
▲ 0.50% · 4.625%
HK$145,312
+HK$7,276/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$276,072/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,338
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$141,610
−HK$4,341/mo
Today · 4.125%
HK$145,951
baseline
▲ 0.50% · 4.625%
HK$154,831
+HK$8,880/mo
Deposit HK$12.91M · loan HK$30.11M · min. income ≈ HK$291,902/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,828,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,787
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$156,885
−HK$4,157/mo
Today · 4.125%
HK$161,042
baseline
▲ 0.50% · 4.625%
HK$169,531
+HK$8,489/mo
Deposit HK$12.91M · loan HK$30.11M · min. income ≈ HK$322,084/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,828,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,578
−HK$11,073/mo
▼ 0.25% · 3.875%
HK$182,070
−HK$5,581/mo
Today · 4.125%
HK$187,651
baseline
▲ 0.50% · 4.625%
HK$199,069
+HK$11,418/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$375,302/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,441
−HK$10,613/mo
▼ 0.25% · 3.875%
HK$201,709
−HK$5,345/mo
Today · 4.125%
HK$207,054
baseline
▲ 0.50% · 4.625%
HK$217,968
+HK$10,914/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$414,108/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,389 · Scale 2, in force from 26 Feb 2026)