LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,510
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,575
−HK$3,113/mo
Today · 4.125%
HK$104,688
baseline
▲ 0.50% · 4.625%
HK$111,058
+HK$6,370/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,376/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,592
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,531
−HK$2,982/mo
Today · 4.125%
HK$115,513
baseline
▲ 0.50% · 4.625%
HK$121,602
+HK$6,089/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,026/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,213
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$121,890
−HK$3,736/mo
Today · 4.125%
HK$125,626
baseline
▲ 0.50% · 4.625%
HK$133,270
+HK$7,644/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,252/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,510
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,037
−HK$3,578/mo
Today · 4.125%
HK$138,615
baseline
▲ 0.50% · 4.625%
HK$145,922
+HK$7,307/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,230/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,915
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$142,205
−HK$4,358/mo
Today · 4.125%
HK$146,563
baseline
▲ 0.50% · 4.625%
HK$155,481
+HK$8,918/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,126/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,429
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$157,544
−HK$4,174/mo
Today · 4.125%
HK$161,718
baseline
▲ 0.50% · 4.625%
HK$170,242
+HK$8,524/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,436/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,319
−HK$11,119/mo
▼ 0.25% · 3.875%
HK$182,834
−HK$5,604/mo
Today · 4.125%
HK$188,438
baseline
▲ 0.50% · 4.625%
HK$199,904
+HK$11,466/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,876/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,265
−HK$10,658/mo
▼ 0.25% · 3.875%
HK$202,556
−HK$5,367/mo
Today · 4.125%
HK$207,923
baseline
▲ 0.50% · 4.625%
HK$218,883
+HK$10,960/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,846/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,063 · Scale 2, in force from 26 Feb 2026)