LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,748
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,788
−HK$3,089/mo
Today · 4.125%
HK$103,877
baseline
▲ 0.50% · 4.625%
HK$110,198
+HK$6,321/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$207,754/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,821,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,743
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,660
−HK$2,958/mo
Today · 4.125%
HK$114,618
baseline
▲ 0.50% · 4.625%
HK$120,660
+HK$6,042/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$229,236/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,821,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,297
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$120,946
−HK$3,707/mo
Today · 4.125%
HK$124,653
baseline
▲ 0.50% · 4.625%
HK$132,237
+HK$7,584/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$249,306/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,492
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$133,992
−HK$3,550/mo
Today · 4.125%
HK$137,542
baseline
▲ 0.50% · 4.625%
HK$144,792
+HK$7,250/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$275,084/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,847
−HK$8,581/mo
▼ 0.25% · 3.875%
HK$141,103
−HK$4,325/mo
Today · 4.125%
HK$145,428
baseline
▲ 0.50% · 4.625%
HK$154,277
+HK$8,849/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$290,856/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,240
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$156,323
−HK$4,143/mo
Today · 4.125%
HK$160,466
baseline
▲ 0.50% · 4.625%
HK$168,924
+HK$8,458/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$320,932/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,946
−HK$11,033/mo
▼ 0.25% · 3.875%
HK$181,419
−HK$5,560/mo
Today · 4.125%
HK$186,979
baseline
▲ 0.50% · 4.625%
HK$198,356
+HK$11,377/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$373,958/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,738
−HK$10,575/mo
▼ 0.25% · 3.875%
HK$200,987
−HK$5,326/mo
Today · 4.125%
HK$206,313
baseline
▲ 0.50% · 4.625%
HK$217,188
+HK$10,875/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$412,626/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,845 · Scale 2, in force from 26 Feb 2026)