LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,900
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,945
−HK$3,094/mo
Today · 4.125%
HK$104,039
baseline
▲ 0.50% · 4.625%
HK$110,370
+HK$6,331/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,078/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,913
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,834
−HK$2,963/mo
Today · 4.125%
HK$114,797
baseline
▲ 0.50% · 4.625%
HK$120,848
+HK$6,051/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,594/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,480
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,134
−HK$3,713/mo
Today · 4.125%
HK$124,847
baseline
▲ 0.50% · 4.625%
HK$132,443
+HK$7,596/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$249,694/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,695
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$134,200
−HK$3,556/mo
Today · 4.125%
HK$137,756
baseline
▲ 0.50% · 4.625%
HK$145,017
+HK$7,261/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$275,512/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,060
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$141,323
−HK$4,332/mo
Today · 4.125%
HK$145,655
baseline
▲ 0.50% · 4.625%
HK$154,517
+HK$8,862/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$291,310/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,478
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$156,567
−HK$4,149/mo
Today · 4.125%
HK$160,716
baseline
▲ 0.50% · 4.625%
HK$169,187
+HK$8,471/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$321,432/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,220
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$181,701
−HK$5,569/mo
Today · 4.125%
HK$187,270
baseline
▲ 0.50% · 4.625%
HK$198,665
+HK$11,395/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$374,540/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,043
−HK$10,591/mo
▼ 0.25% · 3.875%
HK$201,300
−HK$5,334/mo
Today · 4.125%
HK$206,634
baseline
▲ 0.50% · 4.625%
HK$217,526
+HK$10,892/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$413,268/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,683 · Scale 2, in force from 26 Feb 2026)