LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,690
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,729
−HK$3,087/mo
Today · 4.125%
HK$103,816
baseline
▲ 0.50% · 4.625%
HK$110,133
+HK$6,317/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,632/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,679
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,594
−HK$2,957/mo
Today · 4.125%
HK$114,551
baseline
▲ 0.50% · 4.625%
HK$120,589
+HK$6,038/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,102/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,228
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,875
−HK$3,704/mo
Today · 4.125%
HK$124,579
baseline
▲ 0.50% · 4.625%
HK$132,160
+HK$7,581/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,158/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,415
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,913
−HK$3,548/mo
Today · 4.125%
HK$137,461
baseline
▲ 0.50% · 4.625%
HK$144,707
+HK$7,246/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,922/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,766
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$141,020
−HK$4,323/mo
Today · 4.125%
HK$145,343
baseline
▲ 0.50% · 4.625%
HK$154,186
+HK$8,843/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,686/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,151
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$156,231
−HK$4,140/mo
Today · 4.125%
HK$160,371
baseline
▲ 0.50% · 4.625%
HK$168,825
+HK$8,454/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,742/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,842
−HK$11,027/mo
▼ 0.25% · 3.875%
HK$181,312
−HK$5,557/mo
Today · 4.125%
HK$186,869
baseline
▲ 0.50% · 4.625%
HK$198,239
+HK$11,370/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$373,738/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,623
−HK$10,568/mo
▼ 0.25% · 3.875%
HK$200,869
−HK$5,322/mo
Today · 4.125%
HK$206,191
baseline
▲ 0.50% · 4.625%
HK$217,060
+HK$10,869/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$412,382/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,772 · Scale 2, in force from 26 Feb 2026)