LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,863
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,938
−HK$3,124/mo
Today · 4.125%
HK$105,062
baseline
▲ 0.50% · 4.625%
HK$111,455
+HK$6,393/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,124/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,984
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,934
−HK$2,992/mo
Today · 4.125%
HK$115,926
baseline
▲ 0.50% · 4.625%
HK$122,037
+HK$6,111/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,852/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,635
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$122,326
−HK$3,749/mo
Today · 4.125%
HK$126,075
baseline
▲ 0.50% · 4.625%
HK$133,746
+HK$7,671/mo
Deposit HK$17.34M · loan HK$26.01M · min. income ≈ HK$252,150/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,981
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$135,520
−HK$3,591/mo
Today · 4.125%
HK$139,111
baseline
▲ 0.50% · 4.625%
HK$146,444
+HK$7,333/mo
Deposit HK$17.34M · loan HK$26.01M · min. income ≈ HK$278,222/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,408
−HK$8,679/mo
▼ 0.25% · 3.875%
HK$142,713
−HK$4,374/mo
Today · 4.125%
HK$147,087
baseline
▲ 0.50% · 4.625%
HK$156,037
+HK$8,950/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$294,174/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,978
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$158,107
−HK$4,190/mo
Today · 4.125%
HK$162,297
baseline
▲ 0.50% · 4.625%
HK$170,851
+HK$8,554/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$324,594/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,953
−HK$11,159/mo
▼ 0.25% · 3.875%
HK$183,489
−HK$5,623/mo
Today · 4.125%
HK$189,112
baseline
▲ 0.50% · 4.625%
HK$200,619
+HK$11,507/mo
Deposit HK$4.34M · loan HK$39.02M · min. income ≈ HK$378,224/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,971
−HK$10,696/mo
▼ 0.25% · 3.875%
HK$203,281
−HK$5,386/mo
Today · 4.125%
HK$208,667
baseline
▲ 0.50% · 4.625%
HK$219,666
+HK$10,999/mo
Deposit HK$4.34M · loan HK$39.02M · min. income ≈ HK$417,334/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,632 · Scale 2, in force from 26 Feb 2026)