LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,315
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,373
−HK$3,107/mo
Today · 4.125%
HK$104,480
baseline
▲ 0.50% · 4.625%
HK$110,838
+HK$6,358/mo
Deposit HK$21.56M · loan HK$21.56M · min. income ≈ HK$208,960/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,374
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,308
−HK$2,976/mo
Today · 4.125%
HK$115,284
baseline
▲ 0.50% · 4.625%
HK$121,360
+HK$6,076/mo
Deposit HK$21.56M · loan HK$21.56M · min. income ≈ HK$230,568/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,978
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,648
−HK$3,728/mo
Today · 4.125%
HK$125,376
baseline
▲ 0.50% · 4.625%
HK$133,005
+HK$7,629/mo
Deposit HK$17.25M · loan HK$25.87M · min. income ≈ HK$250,752/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,249
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,769
−HK$3,571/mo
Today · 4.125%
HK$138,340
baseline
▲ 0.50% · 4.625%
HK$145,632
+HK$7,292/mo
Deposit HK$17.25M · loan HK$25.87M · min. income ≈ HK$276,680/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,641
−HK$8,631/mo
▼ 0.25% · 3.875%
HK$141,922
−HK$4,350/mo
Today · 4.125%
HK$146,272
baseline
▲ 0.50% · 4.625%
HK$155,173
+HK$8,901/mo
Deposit HK$12.93M · loan HK$30.18M · min. income ≈ HK$292,544/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,832,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,124
−HK$8,273/mo
▼ 0.25% · 3.875%
HK$157,231
−HK$4,166/mo
Today · 4.125%
HK$161,397
baseline
▲ 0.50% · 4.625%
HK$169,905
+HK$8,508/mo
Deposit HK$12.93M · loan HK$30.18M · min. income ≈ HK$322,794/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,832,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,967
−HK$11,097/mo
▼ 0.25% · 3.875%
HK$182,472
−HK$5,592/mo
Today · 4.125%
HK$188,064
baseline
▲ 0.50% · 4.625%
HK$199,508
+HK$11,444/mo
Deposit HK$4.31M · loan HK$38.80M · min. income ≈ HK$376,128/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,874
−HK$10,637/mo
▼ 0.25% · 3.875%
HK$202,154
−HK$5,357/mo
Today · 4.125%
HK$207,511
baseline
▲ 0.50% · 4.625%
HK$218,449
+HK$10,938/mo
Deposit HK$4.31M · loan HK$38.80M · min. income ≈ HK$415,022/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,421 · Scale 2, in force from 26 Feb 2026)