LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,874
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,949
−HK$3,125/mo
Today · 4.125%
HK$105,074
baseline
▲ 0.50% · 4.625%
HK$111,467
+HK$6,393/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,148/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,996
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,946
−HK$2,993/mo
Today · 4.125%
HK$115,939
baseline
▲ 0.50% · 4.625%
HK$122,050
+HK$6,111/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,878/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,648
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,339
−HK$3,750/mo
Today · 4.125%
HK$126,089
baseline
▲ 0.50% · 4.625%
HK$133,761
+HK$7,672/mo
Deposit HK$17.34M · loan HK$26.02M · min. income ≈ HK$252,178/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,995
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$135,535
−HK$3,591/mo
Today · 4.125%
HK$139,126
baseline
▲ 0.50% · 4.625%
HK$146,460
+HK$7,334/mo
Deposit HK$17.34M · loan HK$26.02M · min. income ≈ HK$278,252/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,423
−HK$8,680/mo
▼ 0.25% · 3.875%
HK$142,729
−HK$4,374/mo
Today · 4.125%
HK$147,103
baseline
▲ 0.50% · 4.625%
HK$156,054
+HK$8,951/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$294,206/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,994
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$158,124
−HK$4,190/mo
Today · 4.125%
HK$162,314
baseline
▲ 0.50% · 4.625%
HK$170,870
+HK$8,556/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$324,628/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,972
−HK$11,161/mo
▼ 0.25% · 3.875%
HK$183,508
−HK$5,625/mo
Today · 4.125%
HK$189,133
baseline
▲ 0.50% · 4.625%
HK$200,641
+HK$11,508/mo
Deposit HK$4.34M · loan HK$39.02M · min. income ≈ HK$378,266/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,993
−HK$10,697/mo
▼ 0.25% · 3.875%
HK$203,303
−HK$5,387/mo
Today · 4.125%
HK$208,690
baseline
▲ 0.50% · 4.625%
HK$219,690
+HK$11,000/mo
Deposit HK$4.34M · loan HK$39.02M · min. income ≈ HK$417,380/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,832 · Scale 2, in force from 26 Feb 2026)