LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,261
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,318
−HK$3,105/mo
Today · 4.125%
HK$104,423
baseline
▲ 0.50% · 4.625%
HK$110,777
+HK$6,354/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,846/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,315
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,247
−HK$2,974/mo
Today · 4.125%
HK$115,221
baseline
▲ 0.50% · 4.625%
HK$121,294
+HK$6,073/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,442/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,914
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,581
−HK$3,727/mo
Today · 4.125%
HK$125,308
baseline
▲ 0.50% · 4.625%
HK$132,933
+HK$7,625/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,616/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,178
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,696
−HK$3,569/mo
Today · 4.125%
HK$138,265
baseline
▲ 0.50% · 4.625%
HK$145,553
+HK$7,288/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,530/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,566
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$141,845
−HK$4,347/mo
Today · 4.125%
HK$146,192
baseline
▲ 0.50% · 4.625%
HK$155,088
+HK$8,896/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$292,384/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,041
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$157,145
−HK$4,164/mo
Today · 4.125%
HK$161,309
baseline
▲ 0.50% · 4.625%
HK$169,812
+HK$8,503/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$322,618/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,870
−HK$11,092/mo
▼ 0.25% · 3.875%
HK$182,372
−HK$5,590/mo
Today · 4.125%
HK$187,962
baseline
▲ 0.50% · 4.625%
HK$199,399
+HK$11,437/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$375,924/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,767
−HK$10,630/mo
▼ 0.25% · 3.875%
HK$202,044
−HK$5,353/mo
Today · 4.125%
HK$207,397
baseline
▲ 0.50% · 4.625%
HK$218,329
+HK$10,932/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$414,794/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,421 · Scale 2, in force from 26 Feb 2026)