LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,576
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,611
−HK$3,084/mo
Today · 4.125%
HK$103,695
baseline
▲ 0.50% · 4.625%
HK$110,004
+HK$6,309/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,390/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,552
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,463
−HK$2,954/mo
Today · 4.125%
HK$114,417
baseline
▲ 0.50% · 4.625%
HK$120,448
+HK$6,031/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,834/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,091
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,733
−HK$3,701/mo
Today · 4.125%
HK$124,434
baseline
▲ 0.50% · 4.625%
HK$132,005
+HK$7,571/mo
Deposit HK$17.12M · loan HK$25.67M · min. income ≈ HK$248,868/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,262
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$133,756
−HK$3,544/mo
Today · 4.125%
HK$137,300
baseline
▲ 0.50% · 4.625%
HK$144,537
+HK$7,237/mo
Deposit HK$17.12M · loan HK$25.67M · min. income ≈ HK$274,600/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,606
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$140,855
−HK$4,317/mo
Today · 4.125%
HK$145,172
baseline
▲ 0.50% · 4.625%
HK$154,006
+HK$8,834/mo
Deposit HK$12.84M · loan HK$29.95M · min. income ≈ HK$290,344/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,973
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$156,049
−HK$4,134/mo
Today · 4.125%
HK$160,183
baseline
▲ 0.50% · 4.625%
HK$168,627
+HK$8,444/mo
Deposit HK$12.84M · loan HK$29.95M · min. income ≈ HK$320,366/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,636
−HK$11,014/mo
▼ 0.25% · 3.875%
HK$181,100
−HK$5,550/mo
Today · 4.125%
HK$186,650
baseline
▲ 0.50% · 4.625%
HK$198,008
+HK$11,358/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$373,300/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,394
−HK$10,556/mo
▼ 0.25% · 3.875%
HK$200,634
−HK$5,316/mo
Today · 4.125%
HK$205,950
baseline
▲ 0.50% · 4.625%
HK$216,806
+HK$10,856/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$411,900/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,642 · Scale 2, in force from 26 Feb 2026)