LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,378
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,407
−HK$3,077/mo
Today · 4.125%
HK$103,484
baseline
▲ 0.50% · 4.625%
HK$109,781
+HK$6,297/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,968/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,814,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,332
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,237
−HK$2,948/mo
Today · 4.125%
HK$114,185
baseline
▲ 0.50% · 4.625%
HK$120,204
+HK$6,019/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,370/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,814,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,854
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,488
−HK$3,693/mo
Today · 4.125%
HK$124,181
baseline
▲ 0.50% · 4.625%
HK$131,737
+HK$7,556/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,362/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,814,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,998
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,485
−HK$3,537/mo
Today · 4.125%
HK$137,022
baseline
▲ 0.50% · 4.625%
HK$144,244
+HK$7,222/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$274,044/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,814,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,329
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$140,570
−HK$4,308/mo
Today · 4.125%
HK$144,878
baseline
▲ 0.50% · 4.625%
HK$153,694
+HK$8,816/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$289,756/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,814,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,665
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$155,732
−HK$4,127/mo
Today · 4.125%
HK$159,859
baseline
▲ 0.50% · 4.625%
HK$168,285
+HK$8,426/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$319,718/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,814,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,280
−HK$10,992/mo
▼ 0.25% · 3.875%
HK$180,733
−HK$5,539/mo
Today · 4.125%
HK$186,272
baseline
▲ 0.50% · 4.625%
HK$197,606
+HK$11,334/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$372,544/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,814,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,998
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$200,227
−HK$5,306/mo
Today · 4.125%
HK$205,533
baseline
▲ 0.50% · 4.625%
HK$216,367
+HK$10,834/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$411,066/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,814,956 · Scale 2, in force from 26 Feb 2026)