LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,486
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,549
−HK$3,113/mo
Today · 4.125%
HK$104,662
baseline
▲ 0.50% · 4.625%
HK$111,030
+HK$6,368/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,324/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,565
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,503
−HK$2,981/mo
Today · 4.125%
HK$115,484
baseline
▲ 0.50% · 4.625%
HK$121,571
+HK$6,087/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$230,968/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,183
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,859
−HK$3,735/mo
Today · 4.125%
HK$125,594
baseline
▲ 0.50% · 4.625%
HK$133,236
+HK$7,642/mo
Deposit HK$17.28M · loan HK$25.91M · min. income ≈ HK$251,188/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,477
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,004
−HK$3,577/mo
Today · 4.125%
HK$138,581
baseline
▲ 0.50% · 4.625%
HK$145,886
+HK$7,305/mo
Deposit HK$17.28M · loan HK$25.91M · min. income ≈ HK$277,162/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,880
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,169
−HK$4,357/mo
Today · 4.125%
HK$146,526
baseline
▲ 0.50% · 4.625%
HK$155,442
+HK$8,916/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$293,052/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,390
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,504
−HK$4,174/mo
Today · 4.125%
HK$161,678
baseline
▲ 0.50% · 4.625%
HK$170,200
+HK$8,522/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$323,356/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,275
−HK$11,116/mo
▼ 0.25% · 3.875%
HK$182,789
−HK$5,602/mo
Today · 4.125%
HK$188,391
baseline
▲ 0.50% · 4.625%
HK$199,854
+HK$11,463/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$376,782/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,216
−HK$10,655/mo
▼ 0.25% · 3.875%
HK$202,505
−HK$5,366/mo
Today · 4.125%
HK$207,871
baseline
▲ 0.50% · 4.625%
HK$218,828
+HK$10,957/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$415,742/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,605 · Scale 2, in force from 26 Feb 2026)