LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,837
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,880
−HK$3,092/mo
Today · 4.125%
HK$103,972
baseline
▲ 0.50% · 4.625%
HK$110,298
+HK$6,326/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,944/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,842
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,761
−HK$2,962/mo
Today · 4.125%
HK$114,723
baseline
▲ 0.50% · 4.625%
HK$120,770
+HK$6,047/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,446/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,404
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,056
−HK$3,710/mo
Today · 4.125%
HK$124,766
baseline
▲ 0.50% · 4.625%
HK$132,358
+HK$7,592/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,532/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,611
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$134,114
−HK$3,553/mo
Today · 4.125%
HK$137,667
baseline
▲ 0.50% · 4.625%
HK$144,924
+HK$7,257/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,334/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,971
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$141,232
−HK$4,328/mo
Today · 4.125%
HK$145,560
baseline
▲ 0.50% · 4.625%
HK$154,417
+HK$8,857/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,120/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,379
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$156,466
−HK$4,146/mo
Today · 4.125%
HK$160,612
baseline
▲ 0.50% · 4.625%
HK$169,078
+HK$8,466/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,224/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,106
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$181,584
−HK$5,565/mo
Today · 4.125%
HK$187,149
baseline
▲ 0.50% · 4.625%
HK$198,537
+HK$11,388/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$374,298/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,916
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$201,170
−HK$5,331/mo
Today · 4.125%
HK$206,501
baseline
▲ 0.50% · 4.625%
HK$217,386
+HK$10,885/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$413,002/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,503 · Scale 2, in force from 26 Feb 2026)