LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,965
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,043
−HK$3,128/mo
Today · 4.125%
HK$105,171
baseline
▲ 0.50% · 4.625%
HK$111,570
+HK$6,399/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,342/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,097
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,050
−HK$2,995/mo
Today · 4.125%
HK$116,045
baseline
▲ 0.50% · 4.625%
HK$122,162
+HK$6,117/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,090/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,758
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,452
−HK$3,753/mo
Today · 4.125%
HK$126,205
baseline
▲ 0.50% · 4.625%
HK$133,884
+HK$7,679/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$252,410/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,117
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,660
−HK$3,594/mo
Today · 4.125%
HK$139,254
baseline
▲ 0.50% · 4.625%
HK$146,595
+HK$7,341/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$278,508/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,550
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$142,860
−HK$4,379/mo
Today · 4.125%
HK$147,239
baseline
▲ 0.50% · 4.625%
HK$156,198
+HK$8,959/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$294,478/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,136
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,270
−HK$4,193/mo
Today · 4.125%
HK$162,463
baseline
▲ 0.50% · 4.625%
HK$171,027
+HK$8,564/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$324,926/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,136
−HK$11,171/mo
▼ 0.25% · 3.875%
HK$183,677
−HK$5,630/mo
Today · 4.125%
HK$189,307
baseline
▲ 0.50% · 4.625%
HK$200,826
+HK$11,519/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$378,614/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,175
−HK$10,707/mo
▼ 0.25% · 3.875%
HK$203,490
−HK$5,392/mo
Today · 4.125%
HK$208,882
baseline
▲ 0.50% · 4.625%
HK$219,892
+HK$11,010/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$417,764/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,528 · Scale 2, in force from 26 Feb 2026)