LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,214
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,269
−HK$3,104/mo
Today · 4.125%
HK$104,373
baseline
▲ 0.50% · 4.625%
HK$110,724
+HK$6,351/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,746/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,262
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,192
−HK$2,973/mo
Today · 4.125%
HK$115,165
baseline
▲ 0.50% · 4.625%
HK$121,236
+HK$6,071/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,330/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,857
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,523
−HK$3,724/mo
Today · 4.125%
HK$125,247
baseline
▲ 0.50% · 4.625%
HK$132,868
+HK$7,621/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,494/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,114
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,631
−HK$3,567/mo
Today · 4.125%
HK$138,198
baseline
▲ 0.50% · 4.625%
HK$145,483
+HK$7,285/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,396/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,500
−HK$8,622/mo
▼ 0.25% · 3.875%
HK$141,777
−HK$4,345/mo
Today · 4.125%
HK$146,122
baseline
▲ 0.50% · 4.625%
HK$155,013
+HK$8,891/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$292,244/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,967
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$157,069
−HK$4,162/mo
Today · 4.125%
HK$161,231
baseline
▲ 0.50% · 4.625%
HK$169,730
+HK$8,499/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$322,462/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,785
−HK$11,086/mo
▼ 0.25% · 3.875%
HK$182,284
−HK$5,587/mo
Today · 4.125%
HK$187,871
baseline
▲ 0.50% · 4.625%
HK$199,303
+HK$11,432/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$375,742/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,672
−HK$10,625/mo
▼ 0.25% · 3.875%
HK$201,946
−HK$5,351/mo
Today · 4.125%
HK$207,297
baseline
▲ 0.50% · 4.625%
HK$218,224
+HK$10,927/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$414,594/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,537 · Scale 2, in force from 26 Feb 2026)