LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,234
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,289
−HK$3,105/mo
Today · 4.125%
HK$104,394
baseline
▲ 0.50% · 4.625%
HK$110,746
+HK$6,352/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,788/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,284
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,215
−HK$2,973/mo
Today · 4.125%
HK$115,188
baseline
▲ 0.50% · 4.625%
HK$121,260
+HK$6,072/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,376/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,881
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,547
−HK$3,726/mo
Today · 4.125%
HK$125,273
baseline
▲ 0.50% · 4.625%
HK$132,895
+HK$7,622/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$250,546/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,141
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,658
−HK$3,568/mo
Today · 4.125%
HK$138,226
baseline
▲ 0.50% · 4.625%
HK$145,512
+HK$7,286/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$276,452/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,527
−HK$8,624/mo
▼ 0.25% · 3.875%
HK$141,805
−HK$4,346/mo
Today · 4.125%
HK$146,151
baseline
▲ 0.50% · 4.625%
HK$155,044
+HK$8,893/mo
Deposit HK$12.92M · loan HK$30.16M · min. income ≈ HK$292,302/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,998
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$157,101
−HK$4,163/mo
Today · 4.125%
HK$161,264
baseline
▲ 0.50% · 4.625%
HK$169,764
+HK$8,500/mo
Deposit HK$12.92M · loan HK$30.16M · min. income ≈ HK$322,528/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,821
−HK$11,088/mo
▼ 0.25% · 3.875%
HK$182,321
−HK$5,588/mo
Today · 4.125%
HK$187,909
baseline
▲ 0.50% · 4.625%
HK$199,343
+HK$11,434/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$375,818/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,711
−HK$10,628/mo
▼ 0.25% · 3.875%
HK$201,987
−HK$5,352/mo
Today · 4.125%
HK$207,339
baseline
▲ 0.50% · 4.625%
HK$218,268
+HK$10,929/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$414,678/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,906 · Scale 2, in force from 26 Feb 2026)