LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,827
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,870
−HK$3,091/mo
Today · 4.125%
HK$103,961
baseline
▲ 0.50% · 4.625%
HK$110,287
+HK$6,326/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,922/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,831
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,750
−HK$2,961/mo
Today · 4.125%
HK$114,711
baseline
▲ 0.50% · 4.625%
HK$120,758
+HK$6,047/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,422/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,392
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,044
−HK$3,710/mo
Today · 4.125%
HK$124,754
baseline
▲ 0.50% · 4.625%
HK$132,345
+HK$7,591/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,508/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,598
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$134,100
−HK$3,553/mo
Today · 4.125%
HK$137,653
baseline
▲ 0.50% · 4.625%
HK$144,909
+HK$7,256/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,306/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,958
−HK$8,588/mo
▼ 0.25% · 3.875%
HK$141,218
−HK$4,328/mo
Today · 4.125%
HK$145,546
baseline
▲ 0.50% · 4.625%
HK$154,402
+HK$8,856/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,092/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,364
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$156,450
−HK$4,146/mo
Today · 4.125%
HK$160,596
baseline
▲ 0.50% · 4.625%
HK$169,061
+HK$8,465/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,192/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,088
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$181,566
−HK$5,565/mo
Today · 4.125%
HK$187,131
baseline
▲ 0.50% · 4.625%
HK$198,517
+HK$11,386/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$374,262/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,896
−HK$10,584/mo
▼ 0.25% · 3.875%
HK$201,150
−HK$5,330/mo
Today · 4.125%
HK$206,480
baseline
▲ 0.50% · 4.625%
HK$217,364
+HK$10,884/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$412,960/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,322 · Scale 2, in force from 26 Feb 2026)