LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,542
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,576
−HK$3,083/mo
Today · 4.125%
HK$103,659
baseline
▲ 0.50% · 4.625%
HK$109,966
+HK$6,307/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$207,318/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,515
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,425
−HK$2,952/mo
Today · 4.125%
HK$114,377
baseline
▲ 0.50% · 4.625%
HK$120,406
+HK$6,029/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$228,754/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,050
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,691
−HK$3,700/mo
Today · 4.125%
HK$124,391
baseline
▲ 0.50% · 4.625%
HK$131,959
+HK$7,568/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$248,782/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,217
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,710
−HK$3,543/mo
Today · 4.125%
HK$137,253
baseline
▲ 0.50% · 4.625%
HK$144,488
+HK$7,235/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$274,506/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,559
−HK$8,563/mo
▼ 0.25% · 3.875%
HK$140,807
−HK$4,315/mo
Today · 4.125%
HK$145,122
baseline
▲ 0.50% · 4.625%
HK$153,953
+HK$8,831/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$290,244/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,920
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$155,995
−HK$4,133/mo
Today · 4.125%
HK$160,128
baseline
▲ 0.50% · 4.625%
HK$168,569
+HK$8,441/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$320,256/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,576
−HK$11,010/mo
▼ 0.25% · 3.875%
HK$181,037
−HK$5,549/mo
Today · 4.125%
HK$186,586
baseline
▲ 0.50% · 4.625%
HK$197,939
+HK$11,353/mo
Deposit HK$4.28M · loan HK$38.50M · min. income ≈ HK$373,172/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,326
−HK$10,553/mo
▼ 0.25% · 3.875%
HK$200,565
−HK$5,314/mo
Today · 4.125%
HK$205,879
baseline
▲ 0.50% · 4.625%
HK$216,731
+HK$10,852/mo
Deposit HK$4.28M · loan HK$38.50M · min. income ≈ HK$411,758/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,015 · Scale 2, in force from 26 Feb 2026)