LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,382
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,411
−HK$3,078/mo
Today · 4.125%
HK$103,489
baseline
▲ 0.50% · 4.625%
HK$109,786
+HK$6,297/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,978/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,336
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,242
−HK$2,947/mo
Today · 4.125%
HK$114,189
baseline
▲ 0.50% · 4.625%
HK$120,208
+HK$6,019/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,378/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,858
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,493
−HK$3,693/mo
Today · 4.125%
HK$124,186
baseline
▲ 0.50% · 4.625%
HK$131,743
+HK$7,557/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,372/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,004
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,490
−HK$3,537/mo
Today · 4.125%
HK$137,027
baseline
▲ 0.50% · 4.625%
HK$144,250
+HK$7,223/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$274,054/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,335
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$140,575
−HK$4,309/mo
Today · 4.125%
HK$144,884
baseline
▲ 0.50% · 4.625%
HK$153,700
+HK$8,816/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$289,768/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,671
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$155,739
−HK$4,126/mo
Today · 4.125%
HK$159,865
baseline
▲ 0.50% · 4.625%
HK$168,292
+HK$8,427/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$319,730/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,287
−HK$10,992/mo
▼ 0.25% · 3.875%
HK$180,740
−HK$5,539/mo
Today · 4.125%
HK$186,279
baseline
▲ 0.50% · 4.625%
HK$197,614
+HK$11,335/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$372,558/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,005
−HK$10,536/mo
▼ 0.25% · 3.875%
HK$200,235
−HK$5,306/mo
Today · 4.125%
HK$205,541
baseline
▲ 0.50% · 4.625%
HK$216,375
+HK$10,834/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$411,082/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,027 · Scale 2, in force from 26 Feb 2026)