LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,958
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,036
−HK$3,128/mo
Today · 4.125%
HK$105,164
baseline
▲ 0.50% · 4.625%
HK$111,563
+HK$6,399/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,328/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,090
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,043
−HK$2,995/mo
Today · 4.125%
HK$116,038
baseline
▲ 0.50% · 4.625%
HK$122,154
+HK$6,116/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,076/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,750
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,444
−HK$3,753/mo
Today · 4.125%
HK$126,197
baseline
▲ 0.50% · 4.625%
HK$133,875
+HK$7,678/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$252,394/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,108
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,651
−HK$3,595/mo
Today · 4.125%
HK$139,246
baseline
▲ 0.50% · 4.625%
HK$146,585
+HK$7,339/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$278,492/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,542
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,851
−HK$4,378/mo
Today · 4.125%
HK$147,229
baseline
▲ 0.50% · 4.625%
HK$156,188
+HK$8,959/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$294,458/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,126
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,260
−HK$4,193/mo
Today · 4.125%
HK$162,453
baseline
▲ 0.50% · 4.625%
HK$171,016
+HK$8,563/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$324,906/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,125
−HK$11,170/mo
▼ 0.25% · 3.875%
HK$183,666
−HK$5,629/mo
Today · 4.125%
HK$189,295
baseline
▲ 0.50% · 4.625%
HK$200,813
+HK$11,518/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$378,590/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,162
−HK$10,706/mo
▼ 0.25% · 3.875%
HK$203,477
−HK$5,391/mo
Today · 4.125%
HK$208,868
baseline
▲ 0.50% · 4.625%
HK$219,878
+HK$11,010/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$417,736/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,410 · Scale 2, in force from 26 Feb 2026)