LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,951
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,029
−HK$3,127/mo
Today · 4.125%
HK$105,156
baseline
▲ 0.50% · 4.625%
HK$111,554
+HK$6,398/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,312/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,082
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,034
−HK$2,995/mo
Today · 4.125%
HK$116,029
baseline
▲ 0.50% · 4.625%
HK$122,145
+HK$6,116/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,058/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,741
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,434
−HK$3,753/mo
Today · 4.125%
HK$126,187
baseline
▲ 0.50% · 4.625%
HK$133,865
+HK$7,678/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$252,374/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,098
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,641
−HK$3,594/mo
Today · 4.125%
HK$139,235
baseline
▲ 0.50% · 4.625%
HK$146,574
+HK$7,339/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$278,470/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,531
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,840
−HK$4,378/mo
Today · 4.125%
HK$147,218
baseline
▲ 0.50% · 4.625%
HK$156,176
+HK$8,958/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$294,436/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,114
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,248
−HK$4,193/mo
Today · 4.125%
HK$162,441
baseline
▲ 0.50% · 4.625%
HK$171,003
+HK$8,562/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$324,882/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,111
−HK$11,169/mo
▼ 0.25% · 3.875%
HK$183,652
−HK$5,628/mo
Today · 4.125%
HK$189,280
baseline
▲ 0.50% · 4.625%
HK$200,798
+HK$11,518/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$378,560/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,147
−HK$10,705/mo
▼ 0.25% · 3.875%
HK$203,461
−HK$5,391/mo
Today · 4.125%
HK$208,852
baseline
▲ 0.50% · 4.625%
HK$219,861
+HK$11,009/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$417,704/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,269 · Scale 2, in force from 26 Feb 2026)