LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,128
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,181
−HK$3,101/mo
Today · 4.125%
HK$104,282
baseline
▲ 0.50% · 4.625%
HK$110,627
+HK$6,345/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,564/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,828,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,167
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,095
−HK$2,970/mo
Today · 4.125%
HK$115,065
baseline
▲ 0.50% · 4.625%
HK$121,130
+HK$6,065/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,130/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,828,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,754
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,417
−HK$3,721/mo
Today · 4.125%
HK$125,138
baseline
▲ 0.50% · 4.625%
HK$132,753
+HK$7,615/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,276/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,000
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,514
−HK$3,564/mo
Today · 4.125%
HK$138,078
baseline
▲ 0.50% · 4.625%
HK$145,356
+HK$7,278/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,156/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,380
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,653
−HK$4,342/mo
Today · 4.125%
HK$145,995
baseline
▲ 0.50% · 4.625%
HK$154,878
+HK$8,883/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$291,990/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,834
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,933
−HK$4,158/mo
Today · 4.125%
HK$161,091
baseline
▲ 0.50% · 4.625%
HK$169,582
+HK$8,491/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,182/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,631
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$182,125
−HK$5,582/mo
Today · 4.125%
HK$187,707
baseline
▲ 0.50% · 4.625%
HK$199,129
+HK$11,422/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,414/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,500
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$201,770
−HK$5,347/mo
Today · 4.125%
HK$207,117
baseline
▲ 0.50% · 4.625%
HK$218,034
+HK$10,917/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,234/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,943 · Scale 2, in force from 26 Feb 2026)