LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,488
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,583
−HK$3,144/mo
Today · 4.125%
HK$105,727
baseline
▲ 0.50% · 4.625%
HK$112,160
+HK$6,433/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$211,454/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,680
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,648
−HK$3,011/mo
Today · 4.125%
HK$116,659
baseline
▲ 0.50% · 4.625%
HK$122,808
+HK$6,149/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$233,318/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,386
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,099
−HK$3,773/mo
Today · 4.125%
HK$126,872
baseline
▲ 0.50% · 4.625%
HK$134,592
+HK$7,720/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$253,744/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,815
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,377
−HK$3,614/mo
Today · 4.125%
HK$139,991
baseline
▲ 0.50% · 4.625%
HK$147,370
+HK$7,379/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$279,982/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,283
−HK$8,735/mo
▼ 0.25% · 3.875%
HK$143,616
−HK$4,402/mo
Today · 4.125%
HK$148,018
baseline
▲ 0.50% · 4.625%
HK$157,024
+HK$9,006/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$296,036/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,951
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$159,107
−HK$4,216/mo
Today · 4.125%
HK$163,323
baseline
▲ 0.50% · 4.625%
HK$171,932
+HK$8,609/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$326,646/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,079
−HK$11,229/mo
▼ 0.25% · 3.875%
HK$184,649
−HK$5,659/mo
Today · 4.125%
HK$190,308
baseline
▲ 0.50% · 4.625%
HK$201,888
+HK$11,580/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$380,616/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,223
−HK$10,764/mo
▼ 0.25% · 3.875%
HK$204,566
−HK$5,421/mo
Today · 4.125%
HK$209,987
baseline
▲ 0.50% · 4.625%
HK$221,055
+HK$11,068/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$419,974/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,285 · Scale 2, in force from 26 Feb 2026)