LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,985
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,064
−HK$3,128/mo
Today · 4.125%
HK$105,192
baseline
▲ 0.50% · 4.625%
HK$111,592
+HK$6,400/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,384/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,119
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,073
−HK$2,996/mo
Today · 4.125%
HK$116,069
baseline
▲ 0.50% · 4.625%
HK$122,187
+HK$6,118/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,138/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,782
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,476
−HK$3,754/mo
Today · 4.125%
HK$126,230
baseline
▲ 0.50% · 4.625%
HK$133,911
+HK$7,681/mo
Deposit HK$17.36M · loan HK$26.05M · min. income ≈ HK$252,460/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,143
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$135,687
−HK$3,596/mo
Today · 4.125%
HK$139,283
baseline
▲ 0.50% · 4.625%
HK$146,624
+HK$7,341/mo
Deposit HK$17.36M · loan HK$26.05M · min. income ≈ HK$278,566/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,578
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,889
−HK$4,380/mo
Today · 4.125%
HK$147,269
baseline
▲ 0.50% · 4.625%
HK$156,229
+HK$8,960/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$294,538/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,167
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$158,302
−HK$4,194/mo
Today · 4.125%
HK$162,496
baseline
▲ 0.50% · 4.625%
HK$171,062
+HK$8,566/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$324,992/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,172
−HK$11,173/mo
▼ 0.25% · 3.875%
HK$183,714
−HK$5,631/mo
Today · 4.125%
HK$189,345
baseline
▲ 0.50% · 4.625%
HK$200,866
+HK$11,521/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$378,690/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,215
−HK$10,709/mo
▼ 0.25% · 3.875%
HK$203,531
−HK$5,393/mo
Today · 4.125%
HK$208,924
baseline
▲ 0.50% · 4.625%
HK$219,936
+HK$11,012/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$417,848/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,901 · Scale 2, in force from 26 Feb 2026)