LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,614
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,650
−HK$3,085/mo
Today · 4.125%
HK$103,735
baseline
▲ 0.50% · 4.625%
HK$110,047
+HK$6,312/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,470/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,819,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,594
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,507
−HK$2,954/mo
Today · 4.125%
HK$114,461
baseline
▲ 0.50% · 4.625%
HK$120,494
+HK$6,033/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,922/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,819,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,136
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$120,780
−HK$3,702/mo
Today · 4.125%
HK$124,482
baseline
▲ 0.50% · 4.625%
HK$132,056
+HK$7,574/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,964/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,819,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,313
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,808
−HK$3,545/mo
Today · 4.125%
HK$137,353
baseline
▲ 0.50% · 4.625%
HK$144,593
+HK$7,240/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,706/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,819,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,659
−HK$8,570/mo
▼ 0.25% · 3.875%
HK$140,910
−HK$4,319/mo
Today · 4.125%
HK$145,229
baseline
▲ 0.50% · 4.625%
HK$154,065
+HK$8,836/mo
Deposit HK$12.84M · loan HK$29.97M · min. income ≈ HK$290,458/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,032
−HK$8,214/mo
▼ 0.25% · 3.875%
HK$156,109
−HK$4,137/mo
Today · 4.125%
HK$160,246
baseline
▲ 0.50% · 4.625%
HK$168,692
+HK$8,446/mo
Deposit HK$12.84M · loan HK$29.97M · min. income ≈ HK$320,492/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,704
−HK$11,019/mo
▼ 0.25% · 3.875%
HK$181,170
−HK$5,553/mo
Today · 4.125%
HK$186,723
baseline
▲ 0.50% · 4.625%
HK$198,084
+HK$11,361/mo
Deposit HK$4.28M · loan HK$38.53M · min. income ≈ HK$373,446/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,469
−HK$10,561/mo
▼ 0.25% · 3.875%
HK$200,712
−HK$5,318/mo
Today · 4.125%
HK$206,030
baseline
▲ 0.50% · 4.625%
HK$216,890
+HK$10,860/mo
Deposit HK$4.28M · loan HK$38.53M · min. income ≈ HK$412,060/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,346 · Scale 2, in force from 26 Feb 2026)