LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,879
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,955
−HK$3,125/mo
Today · 4.125%
HK$105,080
baseline
▲ 0.50% · 4.625%
HK$111,474
+HK$6,394/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,160/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,002
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,952
−HK$2,993/mo
Today · 4.125%
HK$115,945
baseline
▲ 0.50% · 4.625%
HK$122,057
+HK$6,112/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,890/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,655
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,346
−HK$3,750/mo
Today · 4.125%
HK$126,096
baseline
▲ 0.50% · 4.625%
HK$133,768
+HK$7,672/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$252,192/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,003
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$135,543
−HK$3,591/mo
Today · 4.125%
HK$139,134
baseline
▲ 0.50% · 4.625%
HK$146,468
+HK$7,334/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$278,268/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,431
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,737
−HK$4,375/mo
Today · 4.125%
HK$147,112
baseline
▲ 0.50% · 4.625%
HK$156,063
+HK$8,951/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$294,224/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,003
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$158,133
−HK$4,190/mo
Today · 4.125%
HK$162,323
baseline
▲ 0.50% · 4.625%
HK$170,880
+HK$8,557/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$324,646/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,983
−HK$11,161/mo
▼ 0.25% · 3.875%
HK$183,519
−HK$5,625/mo
Today · 4.125%
HK$189,144
baseline
▲ 0.50% · 4.625%
HK$200,653
+HK$11,509/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$378,288/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,004
−HK$10,698/mo
▼ 0.25% · 3.875%
HK$203,314
−HK$5,388/mo
Today · 4.125%
HK$208,702
baseline
▲ 0.50% · 4.625%
HK$219,702
+HK$11,000/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$417,404/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,938 · Scale 2, in force from 26 Feb 2026)