LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,939
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,986
−HK$3,095/mo
Today · 4.125%
HK$104,081
baseline
▲ 0.50% · 4.625%
HK$110,414
+HK$6,333/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,162/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,956
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,879
−HK$2,964/mo
Today · 4.125%
HK$114,843
baseline
▲ 0.50% · 4.625%
HK$120,897
+HK$6,054/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,686/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,527
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,183
−HK$3,714/mo
Today · 4.125%
HK$124,897
baseline
▲ 0.50% · 4.625%
HK$132,497
+HK$7,600/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,794/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,748
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,254
−HK$3,558/mo
Today · 4.125%
HK$137,812
baseline
▲ 0.50% · 4.625%
HK$145,076
+HK$7,264/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,624/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,115
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$141,380
−HK$4,333/mo
Today · 4.125%
HK$145,713
baseline
▲ 0.50% · 4.625%
HK$154,580
+HK$8,867/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,426/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,539
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$156,630
−HK$4,150/mo
Today · 4.125%
HK$160,780
baseline
▲ 0.50% · 4.625%
HK$169,255
+HK$8,475/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,560/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,291
−HK$11,055/mo
▼ 0.25% · 3.875%
HK$181,774
−HK$5,572/mo
Today · 4.125%
HK$187,346
baseline
▲ 0.50% · 4.625%
HK$198,745
+HK$11,399/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$374,692/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,122
−HK$10,595/mo
▼ 0.25% · 3.875%
HK$201,381
−HK$5,336/mo
Today · 4.125%
HK$206,717
baseline
▲ 0.50% · 4.625%
HK$217,614
+HK$10,897/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$413,434/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,417 · Scale 2, in force from 26 Feb 2026)