LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,296
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,354
−HK$3,106/mo
Today · 4.125%
HK$104,460
baseline
▲ 0.50% · 4.625%
HK$110,816
+HK$6,356/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,920/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,354
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,286
−HK$2,976/mo
Today · 4.125%
HK$115,262
baseline
▲ 0.50% · 4.625%
HK$121,337
+HK$6,075/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,524/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,955
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$121,625
−HK$3,727/mo
Today · 4.125%
HK$125,352
baseline
▲ 0.50% · 4.625%
HK$132,980
+HK$7,628/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,704/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,224
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$134,744
−HK$3,570/mo
Today · 4.125%
HK$138,314
baseline
▲ 0.50% · 4.625%
HK$145,605
+HK$7,291/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,628/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,615
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,895
−HK$4,349/mo
Today · 4.125%
HK$146,244
baseline
▲ 0.50% · 4.625%
HK$155,143
+HK$8,899/mo
Deposit HK$12.93M · loan HK$30.18M · min. income ≈ HK$292,488/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,832,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,095
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$157,201
−HK$4,165/mo
Today · 4.125%
HK$161,366
baseline
▲ 0.50% · 4.625%
HK$169,872
+HK$8,506/mo
Deposit HK$12.93M · loan HK$30.18M · min. income ≈ HK$322,732/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,832,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,933
−HK$11,095/mo
▼ 0.25% · 3.875%
HK$182,437
−HK$5,591/mo
Today · 4.125%
HK$188,028
baseline
▲ 0.50% · 4.625%
HK$199,470
+HK$11,442/mo
Deposit HK$4.31M · loan HK$38.80M · min. income ≈ HK$376,056/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,836
−HK$10,635/mo
▼ 0.25% · 3.875%
HK$202,115
−HK$5,356/mo
Today · 4.125%
HK$207,471
baseline
▲ 0.50% · 4.625%
HK$218,407
+HK$10,936/mo
Deposit HK$4.31M · loan HK$38.80M · min. income ≈ HK$414,942/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,070 · Scale 2, in force from 26 Feb 2026)