LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,375
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,404
−HK$3,077/mo
Today · 4.125%
HK$103,481
baseline
▲ 0.50% · 4.625%
HK$109,778
+HK$6,297/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,962/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,814,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,328
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,234
−HK$2,947/mo
Today · 4.125%
HK$114,181
baseline
▲ 0.50% · 4.625%
HK$120,200
+HK$6,019/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,362/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,814,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,850
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,484
−HK$3,693/mo
Today · 4.125%
HK$124,177
baseline
▲ 0.50% · 4.625%
HK$131,733
+HK$7,556/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,354/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,814,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,994
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,480
−HK$3,537/mo
Today · 4.125%
HK$137,017
baseline
▲ 0.50% · 4.625%
HK$144,240
+HK$7,223/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$274,034/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,814,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,325
−HK$8,548/mo
▼ 0.25% · 3.875%
HK$140,565
−HK$4,308/mo
Today · 4.125%
HK$144,873
baseline
▲ 0.50% · 4.625%
HK$153,689
+HK$8,816/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$289,746/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,814,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,660
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$155,727
−HK$4,126/mo
Today · 4.125%
HK$159,853
baseline
▲ 0.50% · 4.625%
HK$168,280
+HK$8,427/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$319,706/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,814,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,275
−HK$10,991/mo
▼ 0.25% · 3.875%
HK$180,727
−HK$5,539/mo
Today · 4.125%
HK$186,266
baseline
▲ 0.50% · 4.625%
HK$197,600
+HK$11,334/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$372,532/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,814,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,991
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$200,221
−HK$5,305/mo
Today · 4.125%
HK$205,526
baseline
▲ 0.50% · 4.625%
HK$216,359
+HK$10,833/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$411,052/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,814,896 · Scale 2, in force from 26 Feb 2026)