LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,250
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,337
−HK$3,137/mo
Today · 4.125%
HK$105,474
baseline
▲ 0.50% · 4.625%
HK$111,892
+HK$6,418/mo
Deposit HK$21.76M · loan HK$21.76M · min. income ≈ HK$210,948/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$1,849,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,415
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,376
−HK$3,004/mo
Today · 4.125%
HK$116,380
baseline
▲ 0.50% · 4.625%
HK$122,515
+HK$6,135/mo
Deposit HK$21.76M · loan HK$21.76M · min. income ≈ HK$232,760/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$1,849,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,100
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,805
−HK$3,764/mo
Today · 4.125%
HK$126,569
baseline
▲ 0.50% · 4.625%
HK$134,270
+HK$7,701/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$253,138/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,849,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,498
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,051
−HK$3,605/mo
Today · 4.125%
HK$139,656
baseline
▲ 0.50% · 4.625%
HK$147,018
+HK$7,362/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$279,312/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,849,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,950
−HK$8,714/mo
▼ 0.25% · 3.875%
HK$143,272
−HK$4,392/mo
Today · 4.125%
HK$147,664
baseline
▲ 0.50% · 4.625%
HK$156,649
+HK$8,985/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$295,328/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,849,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,581
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$158,727
−HK$4,205/mo
Today · 4.125%
HK$162,932
baseline
▲ 0.50% · 4.625%
HK$171,521
+HK$8,589/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$325,864/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,849,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,650
−HK$11,203/mo
▼ 0.25% · 3.875%
HK$184,207
−HK$5,646/mo
Today · 4.125%
HK$189,853
baseline
▲ 0.50% · 4.625%
HK$201,405
+HK$11,552/mo
Deposit HK$4.35M · loan HK$39.17M · min. income ≈ HK$379,706/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,747
−HK$10,737/mo
▼ 0.25% · 3.875%
HK$204,077
−HK$5,407/mo
Today · 4.125%
HK$209,484
baseline
▲ 0.50% · 4.625%
HK$220,527
+HK$11,043/mo
Deposit HK$4.35M · loan HK$39.17M · min. income ≈ HK$418,968/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,851 · Scale 2, in force from 26 Feb 2026)