LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,098
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,119
−HK$3,068/mo
Today · 4.125%
HK$103,187
baseline
▲ 0.50% · 4.625%
HK$109,466
+HK$6,279/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$206,374/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,021
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,918
−HK$2,939/mo
Today · 4.125%
HK$113,857
baseline
▲ 0.50% · 4.625%
HK$119,858
+HK$6,001/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$227,714/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,518
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,142
−HK$3,683/mo
Today · 4.125%
HK$123,825
baseline
▲ 0.50% · 4.625%
HK$131,359
+HK$7,534/mo
Deposit HK$17.03M · loan HK$25.55M · min. income ≈ HK$247,650/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,625
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,102
−HK$3,526/mo
Today · 4.125%
HK$136,628
baseline
▲ 0.50% · 4.625%
HK$143,830
+HK$7,202/mo
Deposit HK$17.03M · loan HK$25.55M · min. income ≈ HK$273,256/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,938
−HK$8,524/mo
▼ 0.25% · 3.875%
HK$140,166
−HK$4,296/mo
Today · 4.125%
HK$144,462
baseline
▲ 0.50% · 4.625%
HK$153,252
+HK$8,790/mo
Deposit HK$12.77M · loan HK$29.81M · min. income ≈ HK$288,924/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,229
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,285
−HK$4,115/mo
Today · 4.125%
HK$159,400
baseline
▲ 0.50% · 4.625%
HK$167,802
+HK$8,402/mo
Deposit HK$12.77M · loan HK$29.81M · min. income ≈ HK$318,800/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,777
−HK$10,960/mo
▼ 0.25% · 3.875%
HK$180,213
−HK$5,524/mo
Today · 4.125%
HK$185,737
baseline
▲ 0.50% · 4.625%
HK$197,039
+HK$11,302/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$371,474/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,438
−HK$10,504/mo
▼ 0.25% · 3.875%
HK$199,652
−HK$5,290/mo
Today · 4.125%
HK$204,942
baseline
▲ 0.50% · 4.625%
HK$215,745
+HK$10,803/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$409,884/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,743 · Scale 2, in force from 26 Feb 2026)