LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,603
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,639
−HK$3,085/mo
Today · 4.125%
HK$103,724
baseline
▲ 0.50% · 4.625%
HK$110,035
+HK$6,311/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,448/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,819,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,582
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,495
−HK$2,954/mo
Today · 4.125%
HK$114,449
baseline
▲ 0.50% · 4.625%
HK$120,482
+HK$6,033/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,898/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,819,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,124
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,767
−HK$3,701/mo
Today · 4.125%
HK$124,468
baseline
▲ 0.50% · 4.625%
HK$132,042
+HK$7,574/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,936/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,819,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,299
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,793
−HK$3,546/mo
Today · 4.125%
HK$137,339
baseline
▲ 0.50% · 4.625%
HK$144,578
+HK$7,239/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,678/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,819,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,644
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$140,895
−HK$4,318/mo
Today · 4.125%
HK$145,213
baseline
▲ 0.50% · 4.625%
HK$154,049
+HK$8,836/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,426/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,015
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$156,092
−HK$4,136/mo
Today · 4.125%
HK$160,228
baseline
▲ 0.50% · 4.625%
HK$168,674
+HK$8,446/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,456/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,686
−HK$11,017/mo
▼ 0.25% · 3.875%
HK$181,150
−HK$5,553/mo
Today · 4.125%
HK$186,703
baseline
▲ 0.50% · 4.625%
HK$198,063
+HK$11,360/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,406/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,448
−HK$10,560/mo
▼ 0.25% · 3.875%
HK$200,690
−HK$5,318/mo
Today · 4.125%
HK$206,008
baseline
▲ 0.50% · 4.625%
HK$216,867
+HK$10,859/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$412,016/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,152 · Scale 2, in force from 26 Feb 2026)