LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,206
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,292
−HK$3,135/mo
Today · 4.125%
HK$105,427
baseline
▲ 0.50% · 4.625%
HK$111,842
+HK$6,415/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$210,854/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,849,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,366
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,326
−HK$3,003/mo
Today · 4.125%
HK$116,329
baseline
▲ 0.50% · 4.625%
HK$122,461
+HK$6,132/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$232,658/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,849,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,047
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$122,751
−HK$3,762/mo
Today · 4.125%
HK$126,513
baseline
▲ 0.50% · 4.625%
HK$134,211
+HK$7,698/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$253,026/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,849,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,439
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,991
−HK$3,603/mo
Today · 4.125%
HK$139,594
baseline
▲ 0.50% · 4.625%
HK$146,953
+HK$7,359/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$279,188/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,849,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,889
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,209
−HK$4,389/mo
Today · 4.125%
HK$147,598
baseline
▲ 0.50% · 4.625%
HK$156,579
+HK$8,981/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$295,196/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,849,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,512
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,656
−HK$4,204/mo
Today · 4.125%
HK$162,860
baseline
▲ 0.50% · 4.625%
HK$171,445
+HK$8,585/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$325,720/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,849,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,571
−HK$11,198/mo
▼ 0.25% · 3.875%
HK$184,126
−HK$5,643/mo
Today · 4.125%
HK$189,769
baseline
▲ 0.50% · 4.625%
HK$201,316
+HK$11,547/mo
Deposit HK$4.35M · loan HK$39.16M · min. income ≈ HK$379,538/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,659
−HK$10,733/mo
▼ 0.25% · 3.875%
HK$203,987
−HK$5,405/mo
Today · 4.125%
HK$209,392
baseline
▲ 0.50% · 4.625%
HK$220,429
+HK$11,037/mo
Deposit HK$4.35M · loan HK$39.16M · min. income ≈ HK$418,784/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,032 · Scale 2, in force from 26 Feb 2026)