LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,175
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,260
−HK$3,134/mo
Today · 4.125%
HK$105,394
baseline
▲ 0.50% · 4.625%
HK$111,807
+HK$6,413/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$210,788/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$1,848,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,331
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,291
−HK$3,001/mo
Today · 4.125%
HK$116,292
baseline
▲ 0.50% · 4.625%
HK$122,422
+HK$6,130/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$232,584/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$1,848,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,010
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$122,712
−HK$3,761/mo
Today · 4.125%
HK$126,473
baseline
▲ 0.50% · 4.625%
HK$134,169
+HK$7,696/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$252,946/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,398
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,949
−HK$3,602/mo
Today · 4.125%
HK$139,551
baseline
▲ 0.50% · 4.625%
HK$146,907
+HK$7,356/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$279,102/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,845
−HK$8,707/mo
▼ 0.25% · 3.875%
HK$143,164
−HK$4,388/mo
Today · 4.125%
HK$147,552
baseline
▲ 0.50% · 4.625%
HK$156,530
+HK$8,978/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$295,104/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,464
−HK$8,345/mo
▼ 0.25% · 3.875%
HK$158,607
−HK$4,202/mo
Today · 4.125%
HK$162,809
baseline
▲ 0.50% · 4.625%
HK$171,391
+HK$8,582/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$325,618/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,515
−HK$11,195/mo
▼ 0.25% · 3.875%
HK$184,068
−HK$5,642/mo
Today · 4.125%
HK$189,710
baseline
▲ 0.50% · 4.625%
HK$201,253
+HK$11,543/mo
Deposit HK$4.35M · loan HK$39.14M · min. income ≈ HK$379,420/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,597
−HK$10,729/mo
▼ 0.25% · 3.875%
HK$203,923
−HK$5,403/mo
Today · 4.125%
HK$209,326
baseline
▲ 0.50% · 4.625%
HK$220,360
+HK$11,034/mo
Deposit HK$4.35M · loan HK$39.14M · min. income ≈ HK$418,652/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,454 · Scale 2, in force from 26 Feb 2026)