LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,969
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,047
−HK$3,128/mo
Today · 4.125%
HK$105,175
baseline
▲ 0.50% · 4.625%
HK$111,575
+HK$6,400/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,350/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,102
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,055
−HK$2,995/mo
Today · 4.125%
HK$116,050
baseline
▲ 0.50% · 4.625%
HK$122,167
+HK$6,117/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,100/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,763
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,457
−HK$3,753/mo
Today · 4.125%
HK$126,210
baseline
▲ 0.50% · 4.625%
HK$133,890
+HK$7,680/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$252,420/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,122
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,666
−HK$3,594/mo
Today · 4.125%
HK$139,260
baseline
▲ 0.50% · 4.625%
HK$146,601
+HK$7,341/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$278,520/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,556
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$142,866
−HK$4,379/mo
Today · 4.125%
HK$147,245
baseline
▲ 0.50% · 4.625%
HK$156,205
+HK$8,960/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$294,490/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,143
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,277
−HK$4,193/mo
Today · 4.125%
HK$162,470
baseline
▲ 0.50% · 4.625%
HK$171,034
+HK$8,564/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$324,940/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,144
−HK$11,171/mo
▼ 0.25% · 3.875%
HK$183,685
−HK$5,630/mo
Today · 4.125%
HK$189,315
baseline
▲ 0.50% · 4.625%
HK$200,834
+HK$11,519/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$378,630/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,183
−HK$10,707/mo
▼ 0.25% · 3.875%
HK$203,498
−HK$5,392/mo
Today · 4.125%
HK$208,890
baseline
▲ 0.50% · 4.625%
HK$219,901
+HK$11,011/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$417,780/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,606 · Scale 2, in force from 26 Feb 2026)