LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,588
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,624
−HK$3,084/mo
Today · 4.125%
HK$103,708
baseline
▲ 0.50% · 4.625%
HK$110,018
+HK$6,310/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,416/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,566
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,478
−HK$2,953/mo
Today · 4.125%
HK$114,431
baseline
▲ 0.50% · 4.625%
HK$120,463
+HK$6,032/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,862/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,106
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,749
−HK$3,701/mo
Today · 4.125%
HK$124,450
baseline
▲ 0.50% · 4.625%
HK$132,022
+HK$7,572/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,900/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,279
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,773
−HK$3,545/mo
Today · 4.125%
HK$137,318
baseline
▲ 0.50% · 4.625%
HK$144,556
+HK$7,238/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,636/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,624
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,873
−HK$4,318/mo
Today · 4.125%
HK$145,191
baseline
▲ 0.50% · 4.625%
HK$154,026
+HK$8,835/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,382/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,992
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,069
−HK$4,135/mo
Today · 4.125%
HK$160,204
baseline
▲ 0.50% · 4.625%
HK$168,649
+HK$8,445/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,408/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,659
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$181,123
−HK$5,551/mo
Today · 4.125%
HK$186,674
baseline
▲ 0.50% · 4.625%
HK$198,033
+HK$11,359/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,348/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,419
−HK$10,558/mo
▼ 0.25% · 3.875%
HK$200,660
−HK$5,317/mo
Today · 4.125%
HK$205,977
baseline
▲ 0.50% · 4.625%
HK$216,834
+HK$10,857/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$411,954/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,876 · Scale 2, in force from 26 Feb 2026)