LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,321
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,380
−HK$3,107/mo
Today · 4.125%
HK$104,487
baseline
▲ 0.50% · 4.625%
HK$110,845
+HK$6,358/mo
Deposit HK$21.56M · loan HK$21.56M · min. income ≈ HK$208,974/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,382
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,315
−HK$2,976/mo
Today · 4.125%
HK$115,291
baseline
▲ 0.50% · 4.625%
HK$121,368
+HK$6,077/mo
Deposit HK$21.56M · loan HK$21.56M · min. income ≈ HK$230,582/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$1,832,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,986
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,656
−HK$3,728/mo
Today · 4.125%
HK$125,384
baseline
▲ 0.50% · 4.625%
HK$133,014
+HK$7,630/mo
Deposit HK$17.25M · loan HK$25.87M · min. income ≈ HK$250,768/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,258
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,778
−HK$3,571/mo
Today · 4.125%
HK$138,349
baseline
▲ 0.50% · 4.625%
HK$145,642
+HK$7,293/mo
Deposit HK$17.25M · loan HK$25.87M · min. income ≈ HK$276,698/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,832,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,650
−HK$8,632/mo
▼ 0.25% · 3.875%
HK$141,932
−HK$4,350/mo
Today · 4.125%
HK$146,282
baseline
▲ 0.50% · 4.625%
HK$155,183
+HK$8,901/mo
Deposit HK$12.94M · loan HK$30.18M · min. income ≈ HK$292,564/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,832,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,134
−HK$8,273/mo
▼ 0.25% · 3.875%
HK$157,241
−HK$4,166/mo
Today · 4.125%
HK$161,407
baseline
▲ 0.50% · 4.625%
HK$169,916
+HK$8,509/mo
Deposit HK$12.94M · loan HK$30.18M · min. income ≈ HK$322,814/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,832,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,978
−HK$11,099/mo
▼ 0.25% · 3.875%
HK$182,483
−HK$5,594/mo
Today · 4.125%
HK$188,077
baseline
▲ 0.50% · 4.625%
HK$199,521
+HK$11,444/mo
Deposit HK$4.31M · loan HK$38.81M · min. income ≈ HK$376,154/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,887
−HK$10,637/mo
▼ 0.25% · 3.875%
HK$202,167
−HK$5,357/mo
Today · 4.125%
HK$207,524
baseline
▲ 0.50% · 4.625%
HK$218,463
+HK$10,939/mo
Deposit HK$4.31M · loan HK$38.81M · min. income ≈ HK$415,048/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,832,539 · Scale 2, in force from 26 Feb 2026)