LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,912
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,958
−HK$3,094/mo
Today · 4.125%
HK$104,052
baseline
▲ 0.50% · 4.625%
HK$110,384
+HK$6,332/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,104/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,926
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,848
−HK$2,963/mo
Today · 4.125%
HK$114,811
baseline
▲ 0.50% · 4.625%
HK$120,863
+HK$6,052/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,622/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,495
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$121,149
−HK$3,714/mo
Today · 4.125%
HK$124,863
baseline
▲ 0.50% · 4.625%
HK$132,460
+HK$7,597/mo
Deposit HK$17.18M · loan HK$25.76M · min. income ≈ HK$249,726/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,712
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$134,217
−HK$3,557/mo
Today · 4.125%
HK$137,774
baseline
▲ 0.50% · 4.625%
HK$145,036
+HK$7,262/mo
Deposit HK$17.18M · loan HK$25.76M · min. income ≈ HK$275,548/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,077
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$141,341
−HK$4,332/mo
Today · 4.125%
HK$145,673
baseline
▲ 0.50% · 4.625%
HK$154,537
+HK$8,864/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$291,346/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,497
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$156,587
−HK$4,149/mo
Today · 4.125%
HK$160,736
baseline
▲ 0.50% · 4.625%
HK$169,209
+HK$8,473/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$321,472/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,242
−HK$11,052/mo
▼ 0.25% · 3.875%
HK$181,724
−HK$5,570/mo
Today · 4.125%
HK$187,294
baseline
▲ 0.50% · 4.625%
HK$198,690
+HK$11,396/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$374,588/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,068
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$201,326
−HK$5,334/mo
Today · 4.125%
HK$206,660
baseline
▲ 0.50% · 4.625%
HK$217,554
+HK$10,894/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$413,320/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,915 · Scale 2, in force from 26 Feb 2026)