LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,129
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,181
−HK$3,101/mo
Today · 4.125%
HK$104,282
baseline
▲ 0.50% · 4.625%
HK$110,628
+HK$6,346/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$1,828,952 · 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$121,131
+HK$6,066/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$1,828,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,755
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,418
−HK$3,721/mo
Today · 4.125%
HK$125,139
baseline
▲ 0.50% · 4.625%
HK$132,753
+HK$7,614/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,278/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,001
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,514
−HK$3,564/mo
Today · 4.125%
HK$138,078
baseline
▲ 0.50% · 4.625%
HK$145,357
+HK$7,279/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$1,828,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,380
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,654
−HK$4,341/mo
Today · 4.125%
HK$145,995
baseline
▲ 0.50% · 4.625%
HK$154,879
+HK$8,884/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$1,828,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,834
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$156,933
−HK$4,159/mo
Today · 4.125%
HK$161,092
baseline
▲ 0.50% · 4.625%
HK$169,583
+HK$8,491/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,184/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,632
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$182,126
−HK$5,582/mo
Today · 4.125%
HK$187,708
baseline
▲ 0.50% · 4.625%
HK$199,130
+HK$11,422/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,416/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,501
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$201,771
−HK$5,347/mo
Today · 4.125%
HK$207,118
baseline
▲ 0.50% · 4.625%
HK$218,035
+HK$10,917/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,236/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,952 · Scale 2, in force from 26 Feb 2026)