LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,223
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,278
−HK$3,104/mo
Today · 4.125%
HK$104,382
baseline
▲ 0.50% · 4.625%
HK$110,734
+HK$6,352/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,764/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,272
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,203
−HK$2,973/mo
Today · 4.125%
HK$115,176
baseline
▲ 0.50% · 4.625%
HK$121,247
+HK$6,071/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,352/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,867
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,534
−HK$3,725/mo
Today · 4.125%
HK$125,259
baseline
▲ 0.50% · 4.625%
HK$132,880
+HK$7,621/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$250,518/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,126
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,643
−HK$3,568/mo
Today · 4.125%
HK$138,211
baseline
▲ 0.50% · 4.625%
HK$145,496
+HK$7,285/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$276,422/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,512
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$141,789
−HK$4,346/mo
Today · 4.125%
HK$146,135
baseline
▲ 0.50% · 4.625%
HK$155,027
+HK$8,892/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$292,270/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,981
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$157,084
−HK$4,162/mo
Today · 4.125%
HK$161,246
baseline
▲ 0.50% · 4.625%
HK$169,745
+HK$8,499/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$322,492/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,801
−HK$11,087/mo
▼ 0.25% · 3.875%
HK$182,301
−HK$5,587/mo
Today · 4.125%
HK$187,888
baseline
▲ 0.50% · 4.625%
HK$199,321
+HK$11,433/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$375,776/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,689
−HK$10,627/mo
▼ 0.25% · 3.875%
HK$201,965
−HK$5,351/mo
Today · 4.125%
HK$207,316
baseline
▲ 0.50% · 4.625%
HK$218,244
+HK$10,928/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$414,632/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,702 · Scale 2, in force from 26 Feb 2026)