LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,916
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,992
−HK$3,126/mo
Today · 4.125%
HK$105,118
baseline
▲ 0.50% · 4.625%
HK$111,515
+HK$6,397/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$210,236/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,043
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,994
−HK$2,994/mo
Today · 4.125%
HK$115,988
baseline
▲ 0.50% · 4.625%
HK$122,102
+HK$6,114/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$231,976/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,699
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$122,391
−HK$3,751/mo
Today · 4.125%
HK$126,142
baseline
▲ 0.50% · 4.625%
HK$133,818
+HK$7,676/mo
Deposit HK$17.35M · loan HK$26.03M · min. income ≈ HK$252,284/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,843,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,051
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$135,593
−HK$3,592/mo
Today · 4.125%
HK$139,185
baseline
▲ 0.50% · 4.625%
HK$146,522
+HK$7,337/mo
Deposit HK$17.35M · loan HK$26.03M · min. income ≈ HK$278,370/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,843,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,482
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$142,789
−HK$4,377/mo
Today · 4.125%
HK$147,166
baseline
▲ 0.50% · 4.625%
HK$156,121
+HK$8,955/mo
Deposit HK$13.01M · loan HK$30.37M · min. income ≈ HK$294,332/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,843,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,060
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,191
−HK$4,192/mo
Today · 4.125%
HK$162,383
baseline
▲ 0.50% · 4.625%
HK$170,942
+HK$8,559/mo
Deposit HK$13.01M · loan HK$30.37M · min. income ≈ HK$324,766/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,843,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,048
−HK$11,165/mo
▼ 0.25% · 3.875%
HK$183,586
−HK$5,627/mo
Today · 4.125%
HK$189,213
baseline
▲ 0.50% · 4.625%
HK$200,726
+HK$11,513/mo
Deposit HK$4.34M · loan HK$39.04M · min. income ≈ HK$378,426/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,077
−HK$10,701/mo
▼ 0.25% · 3.875%
HK$203,389
−HK$5,389/mo
Today · 4.125%
HK$208,778
baseline
▲ 0.50% · 4.625%
HK$219,783
+HK$11,005/mo
Deposit HK$4.34M · loan HK$39.04M · min. income ≈ HK$417,556/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,614 · Scale 2, in force from 26 Feb 2026)