LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,880
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,956
−HK$3,125/mo
Today · 4.125%
HK$105,081
baseline
▲ 0.50% · 4.625%
HK$111,475
+HK$6,394/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,162/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,003
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,953
−HK$2,993/mo
Today · 4.125%
HK$115,946
baseline
▲ 0.50% · 4.625%
HK$122,058
+HK$6,112/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,892/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,656
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,347
−HK$3,750/mo
Today · 4.125%
HK$126,097
baseline
▲ 0.50% · 4.625%
HK$133,770
+HK$7,673/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$252,194/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,004
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,544
−HK$3,592/mo
Today · 4.125%
HK$139,136
baseline
▲ 0.50% · 4.625%
HK$146,470
+HK$7,334/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$278,272/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,842,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,432
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,738
−HK$4,375/mo
Today · 4.125%
HK$147,113
baseline
▲ 0.50% · 4.625%
HK$156,065
+HK$8,952/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$294,226/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,005
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$158,135
−HK$4,190/mo
Today · 4.125%
HK$162,325
baseline
▲ 0.50% · 4.625%
HK$170,881
+HK$8,556/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$324,650/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,984
−HK$11,162/mo
▼ 0.25% · 3.875%
HK$183,521
−HK$5,625/mo
Today · 4.125%
HK$189,146
baseline
▲ 0.50% · 4.625%
HK$200,655
+HK$11,509/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$378,292/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,006
−HK$10,698/mo
▼ 0.25% · 3.875%
HK$203,316
−HK$5,388/mo
Today · 4.125%
HK$208,704
baseline
▲ 0.50% · 4.625%
HK$219,705
+HK$11,001/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$417,408/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,955 · Scale 2, in force from 26 Feb 2026)