LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,400
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,461
−HK$3,110/mo
Today · 4.125%
HK$104,571
baseline
▲ 0.50% · 4.625%
HK$110,934
+HK$6,363/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$209,142/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,834,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,469
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,405
−HK$2,978/mo
Today · 4.125%
HK$115,383
baseline
▲ 0.50% · 4.625%
HK$121,465
+HK$6,082/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$230,766/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,834,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,080
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,753
−HK$3,732/mo
Today · 4.125%
HK$125,485
baseline
▲ 0.50% · 4.625%
HK$133,120
+HK$7,635/mo
Deposit HK$17.26M · loan HK$25.89M · min. income ≈ HK$250,970/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,363
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$134,886
−HK$3,574/mo
Today · 4.125%
HK$138,460
baseline
▲ 0.50% · 4.625%
HK$145,759
+HK$7,299/mo
Deposit HK$17.26M · loan HK$25.89M · min. income ≈ HK$276,920/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,760
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,045
−HK$4,354/mo
Today · 4.125%
HK$146,399
baseline
▲ 0.50% · 4.625%
HK$155,307
+HK$8,908/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$292,798/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,834,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,257
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,367
−HK$4,170/mo
Today · 4.125%
HK$161,537
baseline
▲ 0.50% · 4.625%
HK$170,052
+HK$8,515/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$323,074/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,834,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,120
−HK$11,107/mo
▼ 0.25% · 3.875%
HK$182,630
−HK$5,597/mo
Today · 4.125%
HK$188,227
baseline
▲ 0.50% · 4.625%
HK$199,680
+HK$11,453/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$376,454/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,044
−HK$10,646/mo
▼ 0.25% · 3.875%
HK$202,329
−HK$5,361/mo
Today · 4.125%
HK$207,690
baseline
▲ 0.50% · 4.625%
HK$218,638
+HK$10,948/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$415,380/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,007 · Scale 2, in force from 26 Feb 2026)