LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,244
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,300
−HK$3,105/mo
Today · 4.125%
HK$104,405
baseline
▲ 0.50% · 4.625%
HK$110,758
+HK$6,353/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,810/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,831,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,296
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,227
−HK$2,974/mo
Today · 4.125%
HK$115,201
baseline
▲ 0.50% · 4.625%
HK$121,273
+HK$6,072/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,402/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,831,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,893
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$121,560
−HK$3,726/mo
Today · 4.125%
HK$125,286
baseline
▲ 0.50% · 4.625%
HK$132,910
+HK$7,624/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$250,572/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,155
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,673
−HK$3,568/mo
Today · 4.125%
HK$138,241
baseline
▲ 0.50% · 4.625%
HK$145,528
+HK$7,287/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$276,482/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,542
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$141,821
−HK$4,346/mo
Today · 4.125%
HK$146,167
baseline
▲ 0.50% · 4.625%
HK$155,061
+HK$8,894/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$292,334/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,014
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$157,118
−HK$4,163/mo
Today · 4.125%
HK$161,281
baseline
▲ 0.50% · 4.625%
HK$169,783
+HK$8,502/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$322,562/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,840
−HK$11,089/mo
▼ 0.25% · 3.875%
HK$182,341
−HK$5,588/mo
Today · 4.125%
HK$187,929
baseline
▲ 0.50% · 4.625%
HK$199,364
+HK$11,435/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$375,858/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,733
−HK$10,629/mo
▼ 0.25% · 3.875%
HK$202,009
−HK$5,353/mo
Today · 4.125%
HK$207,362
baseline
▲ 0.50% · 4.625%
HK$218,292
+HK$10,930/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$414,724/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,105 · Scale 2, in force from 26 Feb 2026)