LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,278
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,335
−HK$3,106/mo
Today · 4.125%
HK$104,441
baseline
▲ 0.50% · 4.625%
HK$110,796
+HK$6,355/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,882/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,333
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,265
−HK$2,975/mo
Today · 4.125%
HK$115,240
baseline
▲ 0.50% · 4.625%
HK$121,315
+HK$6,075/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,480/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,933
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,602
−HK$3,727/mo
Today · 4.125%
HK$125,329
baseline
▲ 0.50% · 4.625%
HK$132,955
+HK$7,626/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,658/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,200
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,718
−HK$3,570/mo
Today · 4.125%
HK$138,288
baseline
▲ 0.50% · 4.625%
HK$145,577
+HK$7,289/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,576/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,589
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$141,869
−HK$4,348/mo
Today · 4.125%
HK$146,217
baseline
▲ 0.50% · 4.625%
HK$155,114
+HK$8,897/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,434/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,066
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,172
−HK$4,164/mo
Today · 4.125%
HK$161,336
baseline
▲ 0.50% · 4.625%
HK$169,840
+HK$8,504/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,672/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,900
−HK$11,093/mo
▼ 0.25% · 3.875%
HK$182,403
−HK$5,590/mo
Today · 4.125%
HK$187,993
baseline
▲ 0.50% · 4.625%
HK$199,432
+HK$11,439/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$375,986/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,800
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$202,078
−HK$5,354/mo
Today · 4.125%
HK$207,432
baseline
▲ 0.50% · 4.625%
HK$218,366
+HK$10,934/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,864/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,729 · Scale 2, in force from 26 Feb 2026)