LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,469
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,563
−HK$3,143/mo
Today · 4.125%
HK$105,706
baseline
▲ 0.50% · 4.625%
HK$112,138
+HK$6,432/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$211,412/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,658
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,626
−HK$3,010/mo
Today · 4.125%
HK$116,636
baseline
▲ 0.50% · 4.625%
HK$122,784
+HK$6,148/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$233,272/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,362
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,075
−HK$3,773/mo
Today · 4.125%
HK$126,848
baseline
▲ 0.50% · 4.625%
HK$134,566
+HK$7,718/mo
Deposit HK$17.45M · loan HK$26.17M · min. income ≈ HK$253,696/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,790
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,351
−HK$3,613/mo
Today · 4.125%
HK$139,964
baseline
▲ 0.50% · 4.625%
HK$147,341
+HK$7,377/mo
Deposit HK$17.45M · loan HK$26.17M · min. income ≈ HK$279,928/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,256
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$143,588
−HK$4,401/mo
Today · 4.125%
HK$147,989
baseline
▲ 0.50% · 4.625%
HK$156,994
+HK$9,005/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$295,978/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,921
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$159,076
−HK$4,215/mo
Today · 4.125%
HK$163,291
baseline
▲ 0.50% · 4.625%
HK$171,898
+HK$8,607/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$326,582/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,044
−HK$11,227/mo
▼ 0.25% · 3.875%
HK$184,613
−HK$5,658/mo
Today · 4.125%
HK$190,271
baseline
▲ 0.50% · 4.625%
HK$201,849
+HK$11,578/mo
Deposit HK$4.36M · loan HK$39.26M · min. income ≈ HK$380,542/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,853,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,184
−HK$10,762/mo
▼ 0.25% · 3.875%
HK$204,526
−HK$5,420/mo
Today · 4.125%
HK$209,946
baseline
▲ 0.50% · 4.625%
HK$221,012
+HK$11,066/mo
Deposit HK$4.36M · loan HK$39.26M · min. income ≈ HK$419,892/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,853,923 · Scale 2, in force from 26 Feb 2026)