LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,593
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,629
−HK$3,084/mo
Today · 4.125%
HK$103,713
baseline
▲ 0.50% · 4.625%
HK$110,024
+HK$6,311/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,426/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,571
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,483
−HK$2,954/mo
Today · 4.125%
HK$114,437
baseline
▲ 0.50% · 4.625%
HK$120,469
+HK$6,032/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,874/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,112
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,755
−HK$3,701/mo
Today · 4.125%
HK$124,456
baseline
▲ 0.50% · 4.625%
HK$132,029
+HK$7,573/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,912/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,286
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,780
−HK$3,545/mo
Today · 4.125%
HK$137,325
baseline
▲ 0.50% · 4.625%
HK$144,563
+HK$7,238/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,650/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,630
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$140,880
−HK$4,318/mo
Today · 4.125%
HK$145,198
baseline
▲ 0.50% · 4.625%
HK$154,033
+HK$8,835/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,396/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,000
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,077
−HK$4,135/mo
Today · 4.125%
HK$160,212
baseline
▲ 0.50% · 4.625%
HK$168,657
+HK$8,445/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,424/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,668
−HK$11,016/mo
▼ 0.25% · 3.875%
HK$181,132
−HK$5,552/mo
Today · 4.125%
HK$186,684
baseline
▲ 0.50% · 4.625%
HK$198,043
+HK$11,359/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,368/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,429
−HK$10,558/mo
▼ 0.25% · 3.875%
HK$200,670
−HK$5,317/mo
Today · 4.125%
HK$205,987
baseline
▲ 0.50% · 4.625%
HK$216,845
+HK$10,858/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$411,974/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,967 · Scale 2, in force from 26 Feb 2026)