LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,290
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,347
−HK$3,106/mo
Today · 4.125%
HK$104,453
baseline
▲ 0.50% · 4.625%
HK$110,809
+HK$6,356/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,906/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,346
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,279
−HK$2,975/mo
Today · 4.125%
HK$115,254
baseline
▲ 0.50% · 4.625%
HK$121,329
+HK$6,075/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,508/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,948
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,617
−HK$3,727/mo
Today · 4.125%
HK$125,344
baseline
▲ 0.50% · 4.625%
HK$132,971
+HK$7,627/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,688/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,216
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,735
−HK$3,570/mo
Today · 4.125%
HK$138,305
baseline
▲ 0.50% · 4.625%
HK$145,595
+HK$7,290/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,610/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,606
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,886
−HK$4,349/mo
Today · 4.125%
HK$146,235
baseline
▲ 0.50% · 4.625%
HK$155,133
+HK$8,898/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,470/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,085
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$157,191
−HK$4,165/mo
Today · 4.125%
HK$161,356
baseline
▲ 0.50% · 4.625%
HK$169,861
+HK$8,505/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,712/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,922
−HK$11,094/mo
▼ 0.25% · 3.875%
HK$182,425
−HK$5,591/mo
Today · 4.125%
HK$188,016
baseline
▲ 0.50% · 4.625%
HK$199,457
+HK$11,441/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$376,032/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,824
−HK$10,633/mo
▼ 0.25% · 3.875%
HK$202,102
−HK$5,355/mo
Today · 4.125%
HK$207,457
baseline
▲ 0.50% · 4.625%
HK$218,393
+HK$10,936/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,914/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,952 · Scale 2, in force from 26 Feb 2026)