LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,932
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,009
−HK$3,127/mo
Today · 4.125%
HK$105,136
baseline
▲ 0.50% · 4.625%
HK$111,533
+HK$6,397/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$210,272/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,843,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,061
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,013
−HK$2,994/mo
Today · 4.125%
HK$116,007
baseline
▲ 0.50% · 4.625%
HK$122,122
+HK$6,115/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$232,014/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,843,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,718
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,411
−HK$3,752/mo
Today · 4.125%
HK$126,163
baseline
▲ 0.50% · 4.625%
HK$133,840
+HK$7,677/mo
Deposit HK$17.35M · loan HK$26.03M · min. income ≈ HK$252,326/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,843,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,073
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$135,615
−HK$3,594/mo
Today · 4.125%
HK$139,209
baseline
▲ 0.50% · 4.625%
HK$146,546
+HK$7,337/mo
Deposit HK$17.35M · loan HK$26.03M · min. income ≈ HK$278,418/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,843,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,505
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$142,813
−HK$4,377/mo
Today · 4.125%
HK$147,190
baseline
▲ 0.50% · 4.625%
HK$156,147
+HK$8,957/mo
Deposit HK$13.02M · loan HK$30.37M · min. income ≈ HK$294,380/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,843,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,085
−HK$8,325/mo
▼ 0.25% · 3.875%
HK$158,218
−HK$4,192/mo
Today · 4.125%
HK$162,410
baseline
▲ 0.50% · 4.625%
HK$170,971
+HK$8,561/mo
Deposit HK$13.02M · loan HK$30.37M · min. income ≈ HK$324,820/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,843,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,078
−HK$11,167/mo
▼ 0.25% · 3.875%
HK$183,617
−HK$5,628/mo
Today · 4.125%
HK$189,245
baseline
▲ 0.50% · 4.625%
HK$200,760
+HK$11,515/mo
Deposit HK$4.34M · loan HK$39.05M · min. income ≈ HK$378,490/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,110
−HK$10,703/mo
▼ 0.25% · 3.875%
HK$203,423
−HK$5,390/mo
Today · 4.125%
HK$208,813
baseline
▲ 0.50% · 4.625%
HK$219,820
+HK$11,007/mo
Deposit HK$4.34M · loan HK$39.05M · min. income ≈ HK$417,626/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,921 · Scale 2, in force from 26 Feb 2026)