LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,975
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,054
−HK$3,128/mo
Today · 4.125%
HK$105,182
baseline
▲ 0.50% · 4.625%
HK$111,582
+HK$6,400/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,364/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,109
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,062
−HK$2,995/mo
Today · 4.125%
HK$116,057
baseline
▲ 0.50% · 4.625%
HK$122,175
+HK$6,118/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,114/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,770
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,464
−HK$3,754/mo
Today · 4.125%
HK$126,218
baseline
▲ 0.50% · 4.625%
HK$133,898
+HK$7,680/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$252,436/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,130
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,674
−HK$3,595/mo
Today · 4.125%
HK$139,269
baseline
▲ 0.50% · 4.625%
HK$146,610
+HK$7,341/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$278,538/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,565
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$142,875
−HK$4,379/mo
Today · 4.125%
HK$147,254
baseline
▲ 0.50% · 4.625%
HK$156,214
+HK$8,960/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$294,508/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,152
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$158,286
−HK$4,194/mo
Today · 4.125%
HK$162,480
baseline
▲ 0.50% · 4.625%
HK$171,045
+HK$8,565/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$324,960/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,155
−HK$11,172/mo
▼ 0.25% · 3.875%
HK$183,697
−HK$5,630/mo
Today · 4.125%
HK$189,327
baseline
▲ 0.50% · 4.625%
HK$200,847
+HK$11,520/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$378,654/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,196
−HK$10,707/mo
▼ 0.25% · 3.875%
HK$203,511
−HK$5,392/mo
Today · 4.125%
HK$208,903
baseline
▲ 0.50% · 4.625%
HK$219,915
+HK$11,012/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$417,806/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,721 · Scale 2, in force from 26 Feb 2026)