LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,580
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,615
−HK$3,084/mo
Today · 4.125%
HK$103,699
baseline
▲ 0.50% · 4.625%
HK$110,009
+HK$6,310/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,398/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,557
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,468
−HK$2,954/mo
Today · 4.125%
HK$114,422
baseline
▲ 0.50% · 4.625%
HK$120,453
+HK$6,031/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,844/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,096
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,738
−HK$3,701/mo
Today · 4.125%
HK$124,439
baseline
▲ 0.50% · 4.625%
HK$132,011
+HK$7,572/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,878/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,268
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$133,762
−HK$3,544/mo
Today · 4.125%
HK$137,306
baseline
▲ 0.50% · 4.625%
HK$144,544
+HK$7,238/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,612/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,612
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,861
−HK$4,318/mo
Today · 4.125%
HK$145,179
baseline
▲ 0.50% · 4.625%
HK$154,012
+HK$8,833/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,358/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,979
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$156,055
−HK$4,135/mo
Today · 4.125%
HK$160,190
baseline
▲ 0.50% · 4.625%
HK$168,634
+HK$8,444/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,380/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,644
−HK$11,014/mo
▼ 0.25% · 3.875%
HK$181,107
−HK$5,551/mo
Today · 4.125%
HK$186,658
baseline
▲ 0.50% · 4.625%
HK$198,016
+HK$11,358/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$373,316/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,402
−HK$10,557/mo
▼ 0.25% · 3.875%
HK$200,643
−HK$5,316/mo
Today · 4.125%
HK$205,959
baseline
▲ 0.50% · 4.625%
HK$216,815
+HK$10,856/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$411,918/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,719 · Scale 2, in force from 26 Feb 2026)