LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,790
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,831
−HK$3,091/mo
Today · 4.125%
HK$103,922
baseline
▲ 0.50% · 4.625%
HK$110,245
+HK$6,323/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$207,844/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,790
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,708
−HK$2,960/mo
Today · 4.125%
HK$114,668
baseline
▲ 0.50% · 4.625%
HK$120,712
+HK$6,044/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$229,336/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,347
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$120,998
−HK$3,708/mo
Today · 4.125%
HK$124,706
baseline
▲ 0.50% · 4.625%
HK$132,294
+HK$7,588/mo
Deposit HK$17.15M · loan HK$25.73M · min. income ≈ HK$249,412/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,548
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$134,049
−HK$3,552/mo
Today · 4.125%
HK$137,601
baseline
▲ 0.50% · 4.625%
HK$144,854
+HK$7,253/mo
Deposit HK$17.15M · loan HK$25.73M · min. income ≈ HK$275,202/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,905
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,164
−HK$4,327/mo
Today · 4.125%
HK$145,491
baseline
▲ 0.50% · 4.625%
HK$154,343
+HK$8,852/mo
Deposit HK$12.87M · loan HK$30.02M · min. income ≈ HK$290,982/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,306
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$156,391
−HK$4,144/mo
Today · 4.125%
HK$160,535
baseline
▲ 0.50% · 4.625%
HK$168,997
+HK$8,462/mo
Deposit HK$12.87M · loan HK$30.02M · min. income ≈ HK$321,070/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,021
−HK$11,038/mo
▼ 0.25% · 3.875%
HK$181,497
−HK$5,562/mo
Today · 4.125%
HK$187,059
baseline
▲ 0.50% · 4.625%
HK$198,441
+HK$11,382/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$374,118/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,822
−HK$10,580/mo
▼ 0.25% · 3.875%
HK$201,074
−HK$5,328/mo
Today · 4.125%
HK$206,402
baseline
▲ 0.50% · 4.625%
HK$217,281
+HK$10,879/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$412,804/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,628 · Scale 2, in force from 26 Feb 2026)