LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,715
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,785
−HK$3,120/mo
Today · 4.125%
HK$104,905
baseline
▲ 0.50% · 4.625%
HK$111,288
+HK$6,383/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$209,810/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,839,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,819
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,764
−HK$2,988/mo
Today · 4.125%
HK$115,752
baseline
▲ 0.50% · 4.625%
HK$121,854
+HK$6,102/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$231,504/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,839,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,458
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,142
−HK$3,744/mo
Today · 4.125%
HK$125,886
baseline
▲ 0.50% · 4.625%
HK$133,546
+HK$7,660/mo
Deposit HK$17.32M · loan HK$25.97M · min. income ≈ HK$251,772/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,839,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,783
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,317
−HK$3,586/mo
Today · 4.125%
HK$138,903
baseline
▲ 0.50% · 4.625%
HK$146,224
+HK$7,321/mo
Deposit HK$17.32M · loan HK$25.97M · min. income ≈ HK$277,806/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,839,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,200
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$142,499
−HK$4,368/mo
Today · 4.125%
HK$146,867
baseline
▲ 0.50% · 4.625%
HK$155,803
+HK$8,936/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$293,734/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,839,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,747
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$157,870
−HK$4,183/mo
Today · 4.125%
HK$162,053
baseline
▲ 0.50% · 4.625%
HK$170,595
+HK$8,542/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$324,106/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,839,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,686
−HK$11,143/mo
▼ 0.25% · 3.875%
HK$183,213
−HK$5,616/mo
Today · 4.125%
HK$188,829
baseline
▲ 0.50% · 4.625%
HK$200,319
+HK$11,490/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$377,658/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,674
−HK$10,680/mo
▼ 0.25% · 3.875%
HK$202,976
−HK$5,378/mo
Today · 4.125%
HK$208,354
baseline
▲ 0.50% · 4.625%
HK$219,337
+HK$10,983/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$416,708/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,869 · Scale 2, in force from 26 Feb 2026)