LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,896
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,941
−HK$3,094/mo
Today · 4.125%
HK$104,035
baseline
▲ 0.50% · 4.625%
HK$110,365
+HK$6,330/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,070/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,908
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,829
−HK$2,963/mo
Today · 4.125%
HK$114,792
baseline
▲ 0.50% · 4.625%
HK$120,843
+HK$6,051/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,584/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,475
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,129
−HK$3,713/mo
Today · 4.125%
HK$124,842
baseline
▲ 0.50% · 4.625%
HK$132,438
+HK$7,596/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$249,684/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,690
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,195
−HK$3,555/mo
Today · 4.125%
HK$137,750
baseline
▲ 0.50% · 4.625%
HK$145,011
+HK$7,261/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$275,500/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,054
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$141,317
−HK$4,331/mo
Today · 4.125%
HK$145,648
baseline
▲ 0.50% · 4.625%
HK$154,511
+HK$8,863/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$291,296/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,471
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$156,560
−HK$4,149/mo
Today · 4.125%
HK$160,709
baseline
▲ 0.50% · 4.625%
HK$169,180
+HK$8,471/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$321,418/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,212
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$181,693
−HK$5,569/mo
Today · 4.125%
HK$187,262
baseline
▲ 0.50% · 4.625%
HK$198,657
+HK$11,395/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$374,524/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,034
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$201,292
−HK$5,334/mo
Today · 4.125%
HK$206,626
baseline
▲ 0.50% · 4.625%
HK$217,517
+HK$10,891/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$413,252/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,606 · Scale 2, in force from 26 Feb 2026)