LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,597
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,633
−HK$3,085/mo
Today · 4.125%
HK$103,718
baseline
▲ 0.50% · 4.625%
HK$110,029
+HK$6,311/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,436/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,819,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,576
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,488
−HK$2,954/mo
Today · 4.125%
HK$114,442
baseline
▲ 0.50% · 4.625%
HK$120,474
+HK$6,032/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,884/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,819,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,117
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,760
−HK$3,701/mo
Today · 4.125%
HK$124,461
baseline
▲ 0.50% · 4.625%
HK$132,034
+HK$7,573/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,922/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,819,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,291
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,786
−HK$3,545/mo
Today · 4.125%
HK$137,331
baseline
▲ 0.50% · 4.625%
HK$144,569
+HK$7,238/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,662/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,819,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,636
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$140,886
−HK$4,319/mo
Today · 4.125%
HK$145,205
baseline
▲ 0.50% · 4.625%
HK$154,040
+HK$8,835/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,410/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,006
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$156,083
−HK$4,136/mo
Today · 4.125%
HK$160,219
baseline
▲ 0.50% · 4.625%
HK$168,664
+HK$8,445/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,438/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,675
−HK$11,017/mo
▼ 0.25% · 3.875%
HK$181,140
−HK$5,552/mo
Today · 4.125%
HK$186,692
baseline
▲ 0.50% · 4.625%
HK$198,051
+HK$11,359/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,384/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,437
−HK$10,559/mo
▼ 0.25% · 3.875%
HK$200,678
−HK$5,318/mo
Today · 4.125%
HK$205,996
baseline
▲ 0.50% · 4.625%
HK$216,854
+HK$10,858/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$411,992/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,045 · Scale 2, in force from 26 Feb 2026)