LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,948
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,026
−HK$3,127/mo
Today · 4.125%
HK$105,153
baseline
▲ 0.50% · 4.625%
HK$111,552
+HK$6,399/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,306/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,079
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,031
−HK$2,995/mo
Today · 4.125%
HK$116,026
baseline
▲ 0.50% · 4.625%
HK$122,142
+HK$6,116/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,052/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,738
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,431
−HK$3,753/mo
Today · 4.125%
HK$126,184
baseline
▲ 0.50% · 4.625%
HK$133,862
+HK$7,678/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$252,368/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,095
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,638
−HK$3,594/mo
Today · 4.125%
HK$139,232
baseline
▲ 0.50% · 4.625%
HK$146,571
+HK$7,339/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$278,464/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,528
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,837
−HK$4,378/mo
Today · 4.125%
HK$147,215
baseline
▲ 0.50% · 4.625%
HK$156,172
+HK$8,957/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$294,430/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,111
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$158,244
−HK$4,193/mo
Today · 4.125%
HK$162,437
baseline
▲ 0.50% · 4.625%
HK$170,999
+HK$8,562/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$324,874/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,107
−HK$11,169/mo
▼ 0.25% · 3.875%
HK$183,647
−HK$5,629/mo
Today · 4.125%
HK$189,276
baseline
▲ 0.50% · 4.625%
HK$200,793
+HK$11,517/mo
Deposit HK$4.34M · loan HK$39.05M · min. income ≈ HK$378,552/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,142
−HK$10,705/mo
▼ 0.25% · 3.875%
HK$203,456
−HK$5,391/mo
Today · 4.125%
HK$208,847
baseline
▲ 0.50% · 4.625%
HK$219,856
+HK$11,009/mo
Deposit HK$4.34M · loan HK$39.05M · min. income ≈ HK$417,694/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,225 · Scale 2, in force from 26 Feb 2026)