LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,748
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,789
−HK$3,089/mo
Today · 4.125%
HK$103,878
baseline
▲ 0.50% · 4.625%
HK$110,199
+HK$6,321/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$207,756/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,821,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,744
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,661
−HK$2,958/mo
Today · 4.125%
HK$114,619
baseline
▲ 0.50% · 4.625%
HK$120,661
+HK$6,042/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$229,238/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,821,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,298
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$120,947
−HK$3,707/mo
Today · 4.125%
HK$124,654
baseline
▲ 0.50% · 4.625%
HK$132,239
+HK$7,585/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$249,308/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,493
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$133,993
−HK$3,550/mo
Today · 4.125%
HK$137,543
baseline
▲ 0.50% · 4.625%
HK$144,793
+HK$7,250/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$275,086/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,848
−HK$8,581/mo
▼ 0.25% · 3.875%
HK$141,104
−HK$4,325/mo
Today · 4.125%
HK$145,429
baseline
▲ 0.50% · 4.625%
HK$154,278
+HK$8,849/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$290,858/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,242
−HK$8,225/mo
▼ 0.25% · 3.875%
HK$156,325
−HK$4,142/mo
Today · 4.125%
HK$160,467
baseline
▲ 0.50% · 4.625%
HK$168,925
+HK$8,458/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$320,934/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,947
−HK$11,033/mo
▼ 0.25% · 3.875%
HK$181,420
−HK$5,560/mo
Today · 4.125%
HK$186,980
baseline
▲ 0.50% · 4.625%
HK$198,358
+HK$11,378/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$373,960/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,739
−HK$10,576/mo
▼ 0.25% · 3.875%
HK$200,989
−HK$5,326/mo
Today · 4.125%
HK$206,315
baseline
▲ 0.50% · 4.625%
HK$217,190
+HK$10,875/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$412,630/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,859 · Scale 2, in force from 26 Feb 2026)