LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,840
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,883
−HK$3,092/mo
Today · 4.125%
HK$103,975
baseline
▲ 0.50% · 4.625%
HK$110,302
+HK$6,327/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,950/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,846
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,765
−HK$2,961/mo
Today · 4.125%
HK$114,726
baseline
▲ 0.50% · 4.625%
HK$120,774
+HK$6,048/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,452/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,408
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,060
−HK$3,710/mo
Today · 4.125%
HK$124,770
baseline
▲ 0.50% · 4.625%
HK$132,362
+HK$7,592/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,540/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,615
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,118
−HK$3,554/mo
Today · 4.125%
HK$137,672
baseline
▲ 0.50% · 4.625%
HK$144,929
+HK$7,257/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,344/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,976
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$141,237
−HK$4,328/mo
Today · 4.125%
HK$145,565
baseline
▲ 0.50% · 4.625%
HK$154,423
+HK$8,858/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$291,130/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,384
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$156,471
−HK$4,146/mo
Today · 4.125%
HK$160,617
baseline
▲ 0.50% · 4.625%
HK$169,083
+HK$8,466/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$321,234/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,112
−HK$11,044/mo
▼ 0.25% · 3.875%
HK$181,590
−HK$5,566/mo
Today · 4.125%
HK$187,156
baseline
▲ 0.50% · 4.625%
HK$198,544
+HK$11,388/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$374,312/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,923
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$201,177
−HK$5,331/mo
Today · 4.125%
HK$206,508
baseline
▲ 0.50% · 4.625%
HK$217,393
+HK$10,885/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$413,016/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,565 · Scale 2, in force from 26 Feb 2026)