LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,217
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,272
−HK$3,104/mo
Today · 4.125%
HK$104,376
baseline
▲ 0.50% · 4.625%
HK$110,727
+HK$6,351/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,752/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,265
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,196
−HK$2,973/mo
Today · 4.125%
HK$115,169
baseline
▲ 0.50% · 4.625%
HK$121,239
+HK$6,070/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,338/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,860
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,526
−HK$3,725/mo
Today · 4.125%
HK$125,251
baseline
▲ 0.50% · 4.625%
HK$132,872
+HK$7,621/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,502/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,118
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,635
−HK$3,567/mo
Today · 4.125%
HK$138,202
baseline
▲ 0.50% · 4.625%
HK$145,487
+HK$7,285/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,404/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,504
−HK$8,622/mo
▼ 0.25% · 3.875%
HK$141,781
−HK$4,345/mo
Today · 4.125%
HK$146,126
baseline
▲ 0.50% · 4.625%
HK$155,018
+HK$8,892/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$292,252/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,971
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$157,074
−HK$4,162/mo
Today · 4.125%
HK$161,236
baseline
▲ 0.50% · 4.625%
HK$169,735
+HK$8,499/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$322,472/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,790
−HK$11,087/mo
▼ 0.25% · 3.875%
HK$182,290
−HK$5,587/mo
Today · 4.125%
HK$187,877
baseline
▲ 0.50% · 4.625%
HK$199,309
+HK$11,432/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$375,754/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,678
−HK$10,625/mo
▼ 0.25% · 3.875%
HK$201,952
−HK$5,351/mo
Today · 4.125%
HK$207,303
baseline
▲ 0.50% · 4.625%
HK$218,231
+HK$10,928/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$414,606/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,592 · Scale 2, in force from 26 Feb 2026)