LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,595
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,630
−HK$3,085/mo
Today · 4.125%
HK$103,715
baseline
▲ 0.50% · 4.625%
HK$110,025
+HK$6,310/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,430/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,573
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,485
−HK$2,954/mo
Today · 4.125%
HK$114,439
baseline
▲ 0.50% · 4.625%
HK$120,471
+HK$6,032/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,878/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,114
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,756
−HK$3,702/mo
Today · 4.125%
HK$124,458
baseline
▲ 0.50% · 4.625%
HK$132,031
+HK$7,573/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,916/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,288
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,782
−HK$3,545/mo
Today · 4.125%
HK$137,327
baseline
▲ 0.50% · 4.625%
HK$144,565
+HK$7,238/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,654/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,632
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$140,883
−HK$4,318/mo
Today · 4.125%
HK$145,201
baseline
▲ 0.50% · 4.625%
HK$154,036
+HK$8,835/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,402/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,002
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,079
−HK$4,135/mo
Today · 4.125%
HK$160,214
baseline
▲ 0.50% · 4.625%
HK$168,660
+HK$8,446/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,428/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,670
−HK$11,016/mo
▼ 0.25% · 3.875%
HK$181,135
−HK$5,551/mo
Today · 4.125%
HK$186,686
baseline
▲ 0.50% · 4.625%
HK$198,046
+HK$11,360/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,372/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,431
−HK$10,559/mo
▼ 0.25% · 3.875%
HK$200,673
−HK$5,317/mo
Today · 4.125%
HK$205,990
baseline
▲ 0.50% · 4.625%
HK$216,848
+HK$10,858/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$411,980/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,994 · Scale 2, in force from 26 Feb 2026)