LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,430
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,523
−HK$3,142/mo
Today · 4.125%
HK$105,665
baseline
▲ 0.50% · 4.625%
HK$112,094
+HK$6,429/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,330/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,615
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,581
−HK$3,010/mo
Today · 4.125%
HK$116,591
baseline
▲ 0.50% · 4.625%
HK$122,736
+HK$6,145/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,182/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,316
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,027
−HK$3,771/mo
Today · 4.125%
HK$126,798
baseline
▲ 0.50% · 4.625%
HK$134,513
+HK$7,715/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$253,596/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,738
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,297
−HK$3,612/mo
Today · 4.125%
HK$139,909
baseline
▲ 0.50% · 4.625%
HK$147,284
+HK$7,375/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$279,818/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,202
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$143,532
−HK$4,399/mo
Today · 4.125%
HK$147,931
baseline
▲ 0.50% · 4.625%
HK$156,932
+HK$9,001/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$295,862/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,853,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,860
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,014
−HK$4,213/mo
Today · 4.125%
HK$163,227
baseline
▲ 0.50% · 4.625%
HK$171,831
+HK$8,604/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$326,454/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,853,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,974
−HK$11,223/mo
▼ 0.25% · 3.875%
HK$184,541
−HK$5,656/mo
Today · 4.125%
HK$190,197
baseline
▲ 0.50% · 4.625%
HK$201,770
+HK$11,573/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$380,394/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,106
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$204,446
−HK$5,417/mo
Today · 4.125%
HK$209,863
baseline
▲ 0.50% · 4.625%
HK$220,926
+HK$11,063/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$419,726/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,198 · Scale 2, in force from 26 Feb 2026)