LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,635
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,734
−HK$3,149/mo
Today · 4.125%
HK$105,883
baseline
▲ 0.50% · 4.625%
HK$112,325
+HK$6,442/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$211,766/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$1,857,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,842
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,815
−HK$3,016/mo
Today · 4.125%
HK$116,831
baseline
▲ 0.50% · 4.625%
HK$122,989
+HK$6,158/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$233,662/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$1,857,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,562
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$123,281
−HK$3,778/mo
Today · 4.125%
HK$127,059
baseline
▲ 0.50% · 4.625%
HK$134,790
+HK$7,731/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$254,118/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,857,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,011
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,578
−HK$3,619/mo
Today · 4.125%
HK$140,197
baseline
▲ 0.50% · 4.625%
HK$147,587
+HK$7,390/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$280,394/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,857,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,488
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$143,827
−HK$4,409/mo
Today · 4.125%
HK$148,236
baseline
▲ 0.50% · 4.625%
HK$157,255
+HK$9,019/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$296,472/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,179
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$159,341
−HK$4,222/mo
Today · 4.125%
HK$163,563
baseline
▲ 0.50% · 4.625%
HK$172,185
+HK$8,622/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$327,126/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,342
−HK$11,247/mo
▼ 0.25% · 3.875%
HK$184,921
−HK$5,668/mo
Today · 4.125%
HK$190,589
baseline
▲ 0.50% · 4.625%
HK$202,185
+HK$11,596/mo
Deposit HK$4.37M · loan HK$39.33M · min. income ≈ HK$381,178/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,516
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$204,867
−HK$5,429/mo
Today · 4.125%
HK$210,296
baseline
▲ 0.50% · 4.625%
HK$221,381
+HK$11,085/mo
Deposit HK$4.37M · loan HK$39.33M · min. income ≈ HK$420,592/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,015 · Scale 2, in force from 26 Feb 2026)