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$1,831,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,334
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,266
−HK$2,975/mo
Today · 4.125%
HK$115,241
baseline
▲ 0.50% · 4.625%
HK$121,315
+HK$6,074/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,482/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,934
−HK$7,395/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$1,831,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,200
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,719
−HK$3,570/mo
Today · 4.125%
HK$138,289
baseline
▲ 0.50% · 4.625%
HK$145,578
+HK$7,289/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,578/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,590
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$141,869
−HK$4,349/mo
Today · 4.125%
HK$146,218
baseline
▲ 0.50% · 4.625%
HK$155,115
+HK$8,897/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,436/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,067
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,172
−HK$4,165/mo
Today · 4.125%
HK$161,337
baseline
▲ 0.50% · 4.625%
HK$169,841
+HK$8,504/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,674/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,901
−HK$11,093/mo
▼ 0.25% · 3.875%
HK$182,404
−HK$5,590/mo
Today · 4.125%
HK$187,994
baseline
▲ 0.50% · 4.625%
HK$199,433
+HK$11,439/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$375,988/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,801
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$202,079
−HK$5,354/mo
Today · 4.125%
HK$207,433
baseline
▲ 0.50% · 4.625%
HK$218,367
+HK$10,934/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,866/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,737 · Scale 2, in force from 26 Feb 2026)