LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,204
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,259
−HK$3,103/mo
Today · 4.125%
HK$104,362
baseline
▲ 0.50% · 4.625%
HK$110,713
+HK$6,351/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,724/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,251
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,181
−HK$2,973/mo
Today · 4.125%
HK$115,154
baseline
▲ 0.50% · 4.625%
HK$121,223
+HK$6,069/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,308/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,845
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,511
−HK$3,724/mo
Today · 4.125%
HK$125,235
baseline
▲ 0.50% · 4.625%
HK$132,855
+HK$7,620/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,470/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,101
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,617
−HK$3,567/mo
Today · 4.125%
HK$138,184
baseline
▲ 0.50% · 4.625%
HK$145,468
+HK$7,284/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,368/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,486
−HK$8,621/mo
▼ 0.25% · 3.875%
HK$141,762
−HK$4,345/mo
Today · 4.125%
HK$146,107
baseline
▲ 0.50% · 4.625%
HK$154,998
+HK$8,891/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$292,214/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,951
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$157,054
−HK$4,161/mo
Today · 4.125%
HK$161,215
baseline
▲ 0.50% · 4.625%
HK$169,713
+HK$8,498/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$322,430/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,767
−HK$11,085/mo
▼ 0.25% · 3.875%
HK$182,266
−HK$5,586/mo
Today · 4.125%
HK$187,852
baseline
▲ 0.50% · 4.625%
HK$199,283
+HK$11,431/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$375,704/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,652
−HK$10,624/mo
▼ 0.25% · 3.875%
HK$201,926
−HK$5,350/mo
Today · 4.125%
HK$207,276
baseline
▲ 0.50% · 4.625%
HK$218,202
+HK$10,926/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$414,552/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,353 · Scale 2, in force from 26 Feb 2026)