LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,397
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,489
−HK$3,141/mo
Today · 4.125%
HK$105,630
baseline
▲ 0.50% · 4.625%
HK$112,057
+HK$6,427/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,260/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,578
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,544
−HK$3,008/mo
Today · 4.125%
HK$116,552
baseline
▲ 0.50% · 4.625%
HK$122,696
+HK$6,144/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,104/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,276
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,987
−HK$3,769/mo
Today · 4.125%
HK$126,756
baseline
▲ 0.50% · 4.625%
HK$134,469
+HK$7,713/mo
Deposit HK$17.44M · loan HK$26.15M · min. income ≈ HK$253,512/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,694
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,253
−HK$3,610/mo
Today · 4.125%
HK$139,863
baseline
▲ 0.50% · 4.625%
HK$147,235
+HK$7,372/mo
Deposit HK$17.44M · loan HK$26.15M · min. income ≈ HK$279,726/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,156
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$143,484
−HK$4,398/mo
Today · 4.125%
HK$147,882
baseline
▲ 0.50% · 4.625%
HK$156,880
+HK$8,998/mo
Deposit HK$13.08M · loan HK$30.51M · min. income ≈ HK$295,764/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,809
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$158,961
−HK$4,212/mo
Today · 4.125%
HK$163,173
baseline
▲ 0.50% · 4.625%
HK$171,774
+HK$8,601/mo
Deposit HK$13.08M · loan HK$30.51M · min. income ≈ HK$326,346/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,915
−HK$11,219/mo
▼ 0.25% · 3.875%
HK$184,480
−HK$5,654/mo
Today · 4.125%
HK$190,134
baseline
▲ 0.50% · 4.625%
HK$201,703
+HK$11,569/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$380,268/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,041
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$204,379
−HK$5,415/mo
Today · 4.125%
HK$209,794
baseline
▲ 0.50% · 4.625%
HK$220,853
+HK$11,059/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$419,588/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,587 · Scale 2, in force from 26 Feb 2026)