LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,470
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,533
−HK$3,112/mo
Today · 4.125%
HK$104,645
baseline
▲ 0.50% · 4.625%
HK$111,012
+HK$6,367/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$209,290/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,547
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,485
−HK$2,980/mo
Today · 4.125%
HK$115,465
baseline
▲ 0.50% · 4.625%
HK$121,552
+HK$6,087/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$230,930/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,164
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$121,840
−HK$3,734/mo
Today · 4.125%
HK$125,574
baseline
▲ 0.50% · 4.625%
HK$133,215
+HK$7,641/mo
Deposit HK$17.27M · loan HK$25.91M · min. income ≈ HK$251,148/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,456
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$134,982
−HK$3,576/mo
Today · 4.125%
HK$138,558
baseline
▲ 0.50% · 4.625%
HK$145,862
+HK$7,304/mo
Deposit HK$17.27M · loan HK$25.91M · min. income ≈ HK$277,116/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,858
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$142,146
−HK$4,357/mo
Today · 4.125%
HK$146,503
baseline
▲ 0.50% · 4.625%
HK$155,417
+HK$8,914/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$293,006/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,366
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$157,479
−HK$4,173/mo
Today · 4.125%
HK$161,652
baseline
▲ 0.50% · 4.625%
HK$170,172
+HK$8,520/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$323,304/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,246
−HK$11,115/mo
▼ 0.25% · 3.875%
HK$182,759
−HK$5,602/mo
Today · 4.125%
HK$188,361
baseline
▲ 0.50% · 4.625%
HK$199,822
+HK$11,461/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$376,722/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,184
−HK$10,654/mo
▼ 0.25% · 3.875%
HK$202,473
−HK$5,365/mo
Today · 4.125%
HK$207,838
baseline
▲ 0.50% · 4.625%
HK$218,793
+HK$10,955/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$415,676/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,310 · Scale 2, in force from 26 Feb 2026)