LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,286
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,343
−HK$3,106/mo
Today · 4.125%
HK$104,449
baseline
▲ 0.50% · 4.625%
HK$110,805
+HK$6,356/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,898/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,342
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,275
−HK$2,975/mo
Today · 4.125%
HK$115,250
baseline
▲ 0.50% · 4.625%
HK$121,325
+HK$6,075/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,500/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,943
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,612
−HK$3,727/mo
Today · 4.125%
HK$125,339
baseline
▲ 0.50% · 4.625%
HK$132,966
+HK$7,627/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,678/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,211
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,730
−HK$3,570/mo
Today · 4.125%
HK$138,300
baseline
▲ 0.50% · 4.625%
HK$145,590
+HK$7,290/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,600/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,601
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$141,881
−HK$4,348/mo
Today · 4.125%
HK$146,229
baseline
▲ 0.50% · 4.625%
HK$155,127
+HK$8,898/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,458/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,079
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$157,185
−HK$4,165/mo
Today · 4.125%
HK$161,350
baseline
▲ 0.50% · 4.625%
HK$169,855
+HK$8,505/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,700/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,915
−HK$11,094/mo
▼ 0.25% · 3.875%
HK$182,418
−HK$5,591/mo
Today · 4.125%
HK$188,009
baseline
▲ 0.50% · 4.625%
HK$199,449
+HK$11,440/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$376,018/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,816
−HK$10,633/mo
▼ 0.25% · 3.875%
HK$202,095
−HK$5,354/mo
Today · 4.125%
HK$207,449
baseline
▲ 0.50% · 4.625%
HK$218,384
+HK$10,935/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,898/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,882 · Scale 2, in force from 26 Feb 2026)