LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,321
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,379
−HK$3,107/mo
Today · 4.125%
HK$104,486
baseline
▲ 0.50% · 4.625%
HK$110,844
+HK$6,358/mo
Deposit HK$21.56M · loan HK$21.56M · min. income ≈ HK$208,972/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,381
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,314
−HK$2,976/mo
Today · 4.125%
HK$115,290
baseline
▲ 0.50% · 4.625%
HK$121,367
+HK$6,077/mo
Deposit HK$21.56M · loan HK$21.56M · min. income ≈ HK$230,580/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,985
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,655
−HK$3,728/mo
Today · 4.125%
HK$125,383
baseline
▲ 0.50% · 4.625%
HK$133,013
+HK$7,630/mo
Deposit HK$17.25M · loan HK$25.87M · min. income ≈ HK$250,766/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,257
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,777
−HK$3,571/mo
Today · 4.125%
HK$138,348
baseline
▲ 0.50% · 4.625%
HK$145,641
+HK$7,293/mo
Deposit HK$17.25M · loan HK$25.87M · min. income ≈ HK$276,696/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,649
−HK$8,632/mo
▼ 0.25% · 3.875%
HK$141,930
−HK$4,351/mo
Today · 4.125%
HK$146,281
baseline
▲ 0.50% · 4.625%
HK$155,181
+HK$8,900/mo
Deposit HK$12.94M · loan HK$30.18M · min. income ≈ HK$292,562/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,832,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,133
−HK$8,273/mo
▼ 0.25% · 3.875%
HK$157,240
−HK$4,166/mo
Today · 4.125%
HK$161,406
baseline
▲ 0.50% · 4.625%
HK$169,914
+HK$8,508/mo
Deposit HK$12.94M · loan HK$30.18M · min. income ≈ HK$322,812/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,832,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,977
−HK$11,098/mo
▼ 0.25% · 3.875%
HK$182,482
−HK$5,593/mo
Today · 4.125%
HK$188,075
baseline
▲ 0.50% · 4.625%
HK$199,519
+HK$11,444/mo
Deposit HK$4.31M · loan HK$38.81M · min. income ≈ HK$376,150/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,885
−HK$10,637/mo
▼ 0.25% · 3.875%
HK$202,165
−HK$5,357/mo
Today · 4.125%
HK$207,522
baseline
▲ 0.50% · 4.625%
HK$218,461
+HK$10,939/mo
Deposit HK$4.31M · loan HK$38.81M · min. income ≈ HK$415,044/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,523 · Scale 2, in force from 26 Feb 2026)