LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,916
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,993
−HK$3,126/mo
Today · 4.125%
HK$105,119
baseline
▲ 0.50% · 4.625%
HK$111,515
+HK$6,396/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$210,238/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,620 · 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$1,843,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,699
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$122,391
−HK$3,752/mo
Today · 4.125%
HK$126,143
baseline
▲ 0.50% · 4.625%
HK$133,818
+HK$7,675/mo
Deposit HK$17.35M · loan HK$26.03M · min. income ≈ HK$252,286/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,843,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,051
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,593
−HK$3,593/mo
Today · 4.125%
HK$139,186
baseline
▲ 0.50% · 4.625%
HK$146,523
+HK$7,337/mo
Deposit HK$17.35M · loan HK$26.03M · min. income ≈ HK$278,372/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,843,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,482
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$142,790
−HK$4,376/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$1,843,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,060
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,192
−HK$4,191/mo
Today · 4.125%
HK$162,383
baseline
▲ 0.50% · 4.625%
HK$170,943
+HK$8,560/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$1,843,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,049
−HK$11,165/mo
▼ 0.25% · 3.875%
HK$183,587
−HK$5,627/mo
Today · 4.125%
HK$189,214
baseline
▲ 0.50% · 4.625%
HK$200,727
+HK$11,513/mo
Deposit HK$4.34M · loan HK$39.04M · min. income ≈ HK$378,428/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,077
−HK$10,702/mo
▼ 0.25% · 3.875%
HK$203,390
−HK$5,389/mo
Today · 4.125%
HK$208,779
baseline
▲ 0.50% · 4.625%
HK$219,784
+HK$11,005/mo
Deposit HK$4.34M · loan HK$39.04M · min. income ≈ HK$417,558/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,620 · Scale 2, in force from 26 Feb 2026)