LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,877
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,953
−HK$3,125/mo
Today · 4.125%
HK$105,078
baseline
▲ 0.50% · 4.625%
HK$111,472
+HK$6,394/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,156/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,000
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,950
−HK$2,993/mo
Today · 4.125%
HK$115,943
baseline
▲ 0.50% · 4.625%
HK$122,054
+HK$6,111/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,886/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,653
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$122,344
−HK$3,749/mo
Today · 4.125%
HK$126,093
baseline
▲ 0.50% · 4.625%
HK$133,766
+HK$7,673/mo
Deposit HK$17.34M · loan HK$26.02M · min. income ≈ HK$252,186/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,000
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,540
−HK$3,592/mo
Today · 4.125%
HK$139,132
baseline
▲ 0.50% · 4.625%
HK$146,465
+HK$7,333/mo
Deposit HK$17.34M · loan HK$26.02M · min. income ≈ HK$278,264/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,428
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,734
−HK$4,375/mo
Today · 4.125%
HK$147,109
baseline
▲ 0.50% · 4.625%
HK$156,060
+HK$8,951/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$294,218/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,000
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$158,130
−HK$4,190/mo
Today · 4.125%
HK$162,320
baseline
▲ 0.50% · 4.625%
HK$170,876
+HK$8,556/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$324,640/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,979
−HK$11,161/mo
▼ 0.25% · 3.875%
HK$183,515
−HK$5,625/mo
Today · 4.125%
HK$189,140
baseline
▲ 0.50% · 4.625%
HK$200,649
+HK$11,509/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$378,280/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,000
−HK$10,697/mo
▼ 0.25% · 3.875%
HK$203,310
−HK$5,387/mo
Today · 4.125%
HK$208,697
baseline
▲ 0.50% · 4.625%
HK$219,698
+HK$11,001/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$417,394/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,901 · Scale 2, in force from 26 Feb 2026)