LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,463
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,526
−HK$3,112/mo
Today · 4.125%
HK$104,638
baseline
▲ 0.50% · 4.625%
HK$111,005
+HK$6,367/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$209,276/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,540
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,477
−HK$2,981/mo
Today · 4.125%
HK$115,458
baseline
▲ 0.50% · 4.625%
HK$121,544
+HK$6,086/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$230,916/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,156
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$121,831
−HK$3,735/mo
Today · 4.125%
HK$125,566
baseline
▲ 0.50% · 4.625%
HK$133,206
+HK$7,640/mo
Deposit HK$17.27M · loan HK$25.91M · min. income ≈ HK$251,132/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,448
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,973
−HK$3,576/mo
Today · 4.125%
HK$138,549
baseline
▲ 0.50% · 4.625%
HK$145,852
+HK$7,303/mo
Deposit HK$17.27M · loan HK$25.91M · min. income ≈ HK$277,098/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,849
−HK$8,644/mo
▼ 0.25% · 3.875%
HK$142,137
−HK$4,356/mo
Today · 4.125%
HK$146,493
baseline
▲ 0.50% · 4.625%
HK$155,407
+HK$8,914/mo
Deposit HK$12.95M · loan HK$30.23M · min. income ≈ HK$292,986/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,355
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$157,468
−HK$4,173/mo
Today · 4.125%
HK$161,641
baseline
▲ 0.50% · 4.625%
HK$170,161
+HK$8,520/mo
Deposit HK$12.95M · loan HK$30.23M · min. income ≈ HK$323,282/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,234
−HK$11,114/mo
▼ 0.25% · 3.875%
HK$182,747
−HK$5,601/mo
Today · 4.125%
HK$188,348
baseline
▲ 0.50% · 4.625%
HK$199,809
+HK$11,461/mo
Deposit HK$4.32M · loan HK$38.86M · min. income ≈ HK$376,696/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,171
−HK$10,653/mo
▼ 0.25% · 3.875%
HK$202,459
−HK$5,365/mo
Today · 4.125%
HK$207,824
baseline
▲ 0.50% · 4.625%
HK$218,779
+HK$10,955/mo
Deposit HK$4.32M · loan HK$38.86M · min. income ≈ HK$415,648/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,187 · Scale 2, in force from 26 Feb 2026)