LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,990
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,069
−HK$3,128/mo
Today · 4.125%
HK$105,197
baseline
▲ 0.50% · 4.625%
HK$111,598
+HK$6,401/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$210,394/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,125
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,078
−HK$2,997/mo
Today · 4.125%
HK$116,075
baseline
▲ 0.50% · 4.625%
HK$122,193
+HK$6,118/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$232,150/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,787
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$122,482
−HK$3,754/mo
Today · 4.125%
HK$126,236
baseline
▲ 0.50% · 4.625%
HK$133,918
+HK$7,682/mo
Deposit HK$17.36M · loan HK$26.05M · min. income ≈ HK$252,472/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,150
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$135,694
−HK$3,596/mo
Today · 4.125%
HK$139,290
baseline
▲ 0.50% · 4.625%
HK$146,632
+HK$7,342/mo
Deposit HK$17.36M · loan HK$26.05M · min. income ≈ HK$278,580/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,585
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,896
−HK$4,380/mo
Today · 4.125%
HK$147,276
baseline
▲ 0.50% · 4.625%
HK$156,237
+HK$8,961/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$294,552/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,175
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$158,310
−HK$4,194/mo
Today · 4.125%
HK$162,504
baseline
▲ 0.50% · 4.625%
HK$171,070
+HK$8,566/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$325,008/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,181
−HK$11,174/mo
▼ 0.25% · 3.875%
HK$183,724
−HK$5,631/mo
Today · 4.125%
HK$189,355
baseline
▲ 0.50% · 4.625%
HK$200,877
+HK$11,522/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$378,710/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,225
−HK$10,709/mo
▼ 0.25% · 3.875%
HK$203,541
−HK$5,393/mo
Today · 4.125%
HK$208,934
baseline
▲ 0.50% · 4.625%
HK$219,947
+HK$11,013/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$417,868/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,993 · Scale 2, in force from 26 Feb 2026)