LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,981
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,060
−HK$3,128/mo
Today · 4.125%
HK$105,188
baseline
▲ 0.50% · 4.625%
HK$111,589
+HK$6,401/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,376/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,116
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,069
−HK$2,996/mo
Today · 4.125%
HK$116,065
baseline
▲ 0.50% · 4.625%
HK$122,183
+HK$6,118/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,130/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,778
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,472
−HK$3,754/mo
Today · 4.125%
HK$126,226
baseline
▲ 0.50% · 4.625%
HK$133,907
+HK$7,681/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$252,452/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,139
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,683
−HK$3,595/mo
Today · 4.125%
HK$139,278
baseline
▲ 0.50% · 4.625%
HK$146,620
+HK$7,342/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$278,556/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,574
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$142,885
−HK$4,379/mo
Today · 4.125%
HK$147,264
baseline
▲ 0.50% · 4.625%
HK$156,225
+HK$8,961/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$294,528/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,162
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$158,297
−HK$4,194/mo
Today · 4.125%
HK$162,491
baseline
▲ 0.50% · 4.625%
HK$171,056
+HK$8,565/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$324,982/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,167
−HK$11,172/mo
▼ 0.25% · 3.875%
HK$183,709
−HK$5,630/mo
Today · 4.125%
HK$189,339
baseline
▲ 0.50% · 4.625%
HK$200,860
+HK$11,521/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$378,678/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,209
−HK$10,708/mo
▼ 0.25% · 3.875%
HK$203,524
−HK$5,393/mo
Today · 4.125%
HK$208,917
baseline
▲ 0.50% · 4.625%
HK$219,930
+HK$11,013/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$417,834/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,842 · Scale 2, in force from 26 Feb 2026)