LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,310
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,368
−HK$3,107/mo
Today · 4.125%
HK$104,475
baseline
▲ 0.50% · 4.625%
HK$110,832
+HK$6,357/mo
Deposit HK$21.56M · loan HK$21.56M · min. income ≈ HK$208,950/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,369
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,302
−HK$2,976/mo
Today · 4.125%
HK$115,278
baseline
▲ 0.50% · 4.625%
HK$121,354
+HK$6,076/mo
Deposit HK$21.56M · loan HK$21.56M · min. income ≈ HK$230,556/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,972
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,642
−HK$3,728/mo
Today · 4.125%
HK$125,370
baseline
▲ 0.50% · 4.625%
HK$132,999
+HK$7,629/mo
Deposit HK$17.25M · loan HK$25.87M · min. income ≈ HK$250,740/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,243
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,763
−HK$3,571/mo
Today · 4.125%
HK$138,334
baseline
▲ 0.50% · 4.625%
HK$145,625
+HK$7,291/mo
Deposit HK$17.25M · loan HK$25.87M · min. income ≈ HK$276,668/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,634
−HK$8,631/mo
▼ 0.25% · 3.875%
HK$141,915
−HK$4,350/mo
Today · 4.125%
HK$146,265
baseline
▲ 0.50% · 4.625%
HK$155,165
+HK$8,900/mo
Deposit HK$12.93M · loan HK$30.18M · min. income ≈ HK$292,530/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,832,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,117
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$157,223
−HK$4,166/mo
Today · 4.125%
HK$161,389
baseline
▲ 0.50% · 4.625%
HK$169,896
+HK$8,507/mo
Deposit HK$12.93M · loan HK$30.18M · min. income ≈ HK$322,778/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,832,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,958
−HK$11,097/mo
▼ 0.25% · 3.875%
HK$182,463
−HK$5,592/mo
Today · 4.125%
HK$188,055
baseline
▲ 0.50% · 4.625%
HK$199,498
+HK$11,443/mo
Deposit HK$4.31M · loan HK$38.80M · min. income ≈ HK$376,110/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,864
−HK$10,636/mo
▼ 0.25% · 3.875%
HK$202,144
−HK$5,356/mo
Today · 4.125%
HK$207,500
baseline
▲ 0.50% · 4.625%
HK$218,438
+HK$10,938/mo
Deposit HK$4.31M · loan HK$38.80M · min. income ≈ HK$415,000/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,331 · Scale 2, in force from 26 Feb 2026)