LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,425
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,518
−HK$3,142/mo
Today · 4.125%
HK$105,660
baseline
▲ 0.50% · 4.625%
HK$112,089
+HK$6,429/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,320/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,609
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,576
−HK$3,009/mo
Today · 4.125%
HK$116,585
baseline
▲ 0.50% · 4.625%
HK$122,731
+HK$6,146/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,170/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,310
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,021
−HK$3,771/mo
Today · 4.125%
HK$126,792
baseline
▲ 0.50% · 4.625%
HK$134,507
+HK$7,715/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$253,584/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,731
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,291
−HK$3,611/mo
Today · 4.125%
HK$139,902
baseline
▲ 0.50% · 4.625%
HK$147,277
+HK$7,375/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$279,804/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,195
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$143,525
−HK$4,399/mo
Today · 4.125%
HK$147,924
baseline
▲ 0.50% · 4.625%
HK$156,925
+HK$9,001/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$295,848/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,853
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,006
−HK$4,214/mo
Today · 4.125%
HK$163,220
baseline
▲ 0.50% · 4.625%
HK$171,823
+HK$8,603/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$326,440/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,965
−HK$11,223/mo
▼ 0.25% · 3.875%
HK$184,532
−HK$5,656/mo
Today · 4.125%
HK$190,188
baseline
▲ 0.50% · 4.625%
HK$201,760
+HK$11,572/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$380,376/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,097
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$204,437
−HK$5,417/mo
Today · 4.125%
HK$209,854
baseline
▲ 0.50% · 4.625%
HK$220,915
+HK$11,061/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$419,708/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,112 · Scale 2, in force from 26 Feb 2026)