LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,402
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,463
−HK$3,109/mo
Today · 4.125%
HK$104,572
baseline
▲ 0.50% · 4.625%
HK$110,935
+HK$6,363/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$209,144/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,834,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,471
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,407
−HK$2,978/mo
Today · 4.125%
HK$115,385
baseline
▲ 0.50% · 4.625%
HK$121,467
+HK$6,082/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$230,770/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,834,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,082
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,755
−HK$3,732/mo
Today · 4.125%
HK$125,487
baseline
▲ 0.50% · 4.625%
HK$133,122
+HK$7,635/mo
Deposit HK$17.26M · loan HK$25.89M · min. income ≈ HK$250,974/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,365
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$134,888
−HK$3,574/mo
Today · 4.125%
HK$138,462
baseline
▲ 0.50% · 4.625%
HK$145,761
+HK$7,299/mo
Deposit HK$17.26M · loan HK$25.89M · min. income ≈ HK$276,924/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,762
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,048
−HK$4,353/mo
Today · 4.125%
HK$146,401
baseline
▲ 0.50% · 4.625%
HK$155,309
+HK$8,908/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$292,802/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,834,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,259
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,370
−HK$4,169/mo
Today · 4.125%
HK$161,539
baseline
▲ 0.50% · 4.625%
HK$170,054
+HK$8,515/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$323,078/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,834,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,123
−HK$11,107/mo
▼ 0.25% · 3.875%
HK$182,633
−HK$5,597/mo
Today · 4.125%
HK$188,230
baseline
▲ 0.50% · 4.625%
HK$199,684
+HK$11,454/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$376,460/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,048
−HK$10,645/mo
▼ 0.25% · 3.875%
HK$202,332
−HK$5,361/mo
Today · 4.125%
HK$207,693
baseline
▲ 0.50% · 4.625%
HK$218,641
+HK$10,948/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$415,386/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,036 · Scale 2, in force from 26 Feb 2026)