LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,565
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,631
−HK$3,115/mo
Today · 4.125%
HK$104,746
baseline
▲ 0.50% · 4.625%
HK$111,119
+HK$6,373/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$209,492/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,837,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,652
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,593
−HK$2,984/mo
Today · 4.125%
HK$115,577
baseline
▲ 0.50% · 4.625%
HK$121,669
+HK$6,092/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$231,154/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,837,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,278
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$121,957
−HK$3,738/mo
Today · 4.125%
HK$125,695
baseline
▲ 0.50% · 4.625%
HK$133,343
+HK$7,648/mo
Deposit HK$17.29M · loan HK$25.94M · min. income ≈ HK$251,390/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,837,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,583
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,112
−HK$3,580/mo
Today · 4.125%
HK$138,692
baseline
▲ 0.50% · 4.625%
HK$146,003
+HK$7,311/mo
Deposit HK$17.29M · loan HK$25.94M · min. income ≈ HK$277,384/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,837,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,991
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,283
−HK$4,361/mo
Today · 4.125%
HK$146,644
baseline
▲ 0.50% · 4.625%
HK$155,567
+HK$8,923/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$293,288/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,837,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,513
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,631
−HK$4,176/mo
Today · 4.125%
HK$161,807
baseline
▲ 0.50% · 4.625%
HK$170,336
+HK$8,529/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$323,614/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,837,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,417
−HK$11,125/mo
▼ 0.25% · 3.875%
HK$182,935
−HK$5,607/mo
Today · 4.125%
HK$188,542
baseline
▲ 0.50% · 4.625%
HK$200,015
+HK$11,473/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$377,084/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,837,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,374
−HK$10,664/mo
▼ 0.25% · 3.875%
HK$202,668
−HK$5,370/mo
Today · 4.125%
HK$208,038
baseline
▲ 0.50% · 4.625%
HK$219,004
+HK$10,966/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$416,076/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,837,077 · Scale 2, in force from 26 Feb 2026)