LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,273
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,330
−HK$3,106/mo
Today · 4.125%
HK$104,436
baseline
▲ 0.50% · 4.625%
HK$110,791
+HK$6,355/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,872/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,328
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,260
−HK$2,975/mo
Today · 4.125%
HK$115,235
baseline
▲ 0.50% · 4.625%
HK$121,309
+HK$6,074/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,470/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,928
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,596
−HK$3,727/mo
Today · 4.125%
HK$125,323
baseline
▲ 0.50% · 4.625%
HK$132,949
+HK$7,626/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,646/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,194
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,712
−HK$3,570/mo
Today · 4.125%
HK$138,282
baseline
▲ 0.50% · 4.625%
HK$145,571
+HK$7,289/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,564/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,583
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$141,862
−HK$4,349/mo
Today · 4.125%
HK$146,211
baseline
▲ 0.50% · 4.625%
HK$155,107
+HK$8,896/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,422/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,060
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$157,165
−HK$4,164/mo
Today · 4.125%
HK$161,329
baseline
▲ 0.50% · 4.625%
HK$169,833
+HK$8,504/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,658/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,892
−HK$11,093/mo
▼ 0.25% · 3.875%
HK$182,395
−HK$5,590/mo
Today · 4.125%
HK$187,985
baseline
▲ 0.50% · 4.625%
HK$199,423
+HK$11,438/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$375,970/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,791
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$202,069
−HK$5,354/mo
Today · 4.125%
HK$207,423
baseline
▲ 0.50% · 4.625%
HK$218,356
+HK$10,933/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,846/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,646 · Scale 2, in force from 26 Feb 2026)