LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,643
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,680
−HK$3,086/mo
Today · 4.125%
HK$103,766
baseline
▲ 0.50% · 4.625%
HK$110,080
+HK$6,314/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$207,532/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,627
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,540
−HK$2,955/mo
Today · 4.125%
HK$114,495
baseline
▲ 0.50% · 4.625%
HK$120,531
+HK$6,036/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$228,990/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,171
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$120,816
−HK$3,703/mo
Today · 4.125%
HK$124,519
baseline
▲ 0.50% · 4.625%
HK$132,096
+HK$7,577/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$249,038/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,352
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$133,848
−HK$3,547/mo
Today · 4.125%
HK$137,395
baseline
▲ 0.50% · 4.625%
HK$144,637
+HK$7,242/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$274,790/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,700
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$140,952
−HK$4,320/mo
Today · 4.125%
HK$145,272
baseline
▲ 0.50% · 4.625%
HK$154,112
+HK$8,840/mo
Deposit HK$12.85M · loan HK$29.97M · min. income ≈ HK$290,544/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,819,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,077
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$156,156
−HK$4,138/mo
Today · 4.125%
HK$160,294
baseline
▲ 0.50% · 4.625%
HK$168,743
+HK$8,449/mo
Deposit HK$12.85M · loan HK$29.97M · min. income ≈ HK$320,588/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,819,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,757
−HK$11,022/mo
▼ 0.25% · 3.875%
HK$181,224
−HK$5,555/mo
Today · 4.125%
HK$186,779
baseline
▲ 0.50% · 4.625%
HK$198,144
+HK$11,365/mo
Deposit HK$4.28M · loan HK$38.54M · min. income ≈ HK$373,558/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,528
−HK$10,564/mo
▼ 0.25% · 3.875%
HK$200,772
−HK$5,320/mo
Today · 4.125%
HK$206,092
baseline
▲ 0.50% · 4.625%
HK$216,955
+HK$10,863/mo
Deposit HK$4.28M · loan HK$38.54M · min. income ≈ HK$412,184/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,892 · Scale 2, in force from 26 Feb 2026)