LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,142
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,194
−HK$3,102/mo
Today · 4.125%
HK$104,296
baseline
▲ 0.50% · 4.625%
HK$110,642
+HK$6,346/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,592/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,181
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,110
−HK$2,970/mo
Today · 4.125%
HK$115,080
baseline
▲ 0.50% · 4.625%
HK$121,146
+HK$6,066/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,160/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,770
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,433
−HK$3,722/mo
Today · 4.125%
HK$125,155
baseline
▲ 0.50% · 4.625%
HK$132,770
+HK$7,615/mo
Deposit HK$17.22M · loan HK$25.82M · min. income ≈ HK$250,310/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,018
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,532
−HK$3,564/mo
Today · 4.125%
HK$138,096
baseline
▲ 0.50% · 4.625%
HK$145,375
+HK$7,279/mo
Deposit HK$17.22M · loan HK$25.82M · min. income ≈ HK$276,192/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,398
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$141,672
−HK$4,342/mo
Today · 4.125%
HK$146,014
baseline
▲ 0.50% · 4.625%
HK$154,899
+HK$8,885/mo
Deposit HK$12.91M · loan HK$30.13M · min. income ≈ HK$292,028/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,854
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$156,953
−HK$4,159/mo
Today · 4.125%
HK$161,112
baseline
▲ 0.50% · 4.625%
HK$169,605
+HK$8,493/mo
Deposit HK$12.91M · loan HK$30.13M · min. income ≈ HK$322,224/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,655
−HK$11,078/mo
▼ 0.25% · 3.875%
HK$182,150
−HK$5,583/mo
Today · 4.125%
HK$187,733
baseline
▲ 0.50% · 4.625%
HK$199,156
+HK$11,423/mo
Deposit HK$4.30M · loan HK$38.74M · min. income ≈ HK$375,466/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,527
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$201,797
−HK$5,347/mo
Today · 4.125%
HK$207,144
baseline
▲ 0.50% · 4.625%
HK$218,063
+HK$10,919/mo
Deposit HK$4.30M · loan HK$38.74M · min. income ≈ HK$414,288/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,187 · Scale 2, in force from 26 Feb 2026)