LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,130
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,182
−HK$3,102/mo
Today · 4.125%
HK$104,284
baseline
▲ 0.50% · 4.625%
HK$110,629
+HK$6,345/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,568/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,828,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,169
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,096
−HK$2,971/mo
Today · 4.125%
HK$115,067
baseline
▲ 0.50% · 4.625%
HK$121,132
+HK$6,065/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,134/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,828,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,756
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,419
−HK$3,721/mo
Today · 4.125%
HK$125,140
baseline
▲ 0.50% · 4.625%
HK$132,755
+HK$7,615/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,280/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,002
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,516
−HK$3,564/mo
Today · 4.125%
HK$138,080
baseline
▲ 0.50% · 4.625%
HK$145,358
+HK$7,278/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,160/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,382
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,655
−HK$4,342/mo
Today · 4.125%
HK$145,997
baseline
▲ 0.50% · 4.625%
HK$154,881
+HK$8,884/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$291,994/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,836
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,935
−HK$4,158/mo
Today · 4.125%
HK$161,093
baseline
▲ 0.50% · 4.625%
HK$169,585
+HK$8,492/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,186/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,634
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$182,128
−HK$5,582/mo
Today · 4.125%
HK$187,710
baseline
▲ 0.50% · 4.625%
HK$199,132
+HK$11,422/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,420/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,503
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$201,774
−HK$5,346/mo
Today · 4.125%
HK$207,120
baseline
▲ 0.50% · 4.625%
HK$218,038
+HK$10,918/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,240/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,972 · Scale 2, in force from 26 Feb 2026)