LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,940
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,986
−HK$3,095/mo
Today · 4.125%
HK$104,081
baseline
▲ 0.50% · 4.625%
HK$110,415
+HK$6,334/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$1,825,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,957
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,879
−HK$2,965/mo
Today · 4.125%
HK$114,844
baseline
▲ 0.50% · 4.625%
HK$120,897
+HK$6,053/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,688/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,528
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,183
−HK$3,715/mo
Today · 4.125%
HK$124,898
baseline
▲ 0.50% · 4.625%
HK$132,497
+HK$7,599/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,796/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,748
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,255
−HK$3,557/mo
Today · 4.125%
HK$137,812
baseline
▲ 0.50% · 4.625%
HK$145,077
+HK$7,265/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$1,825,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,116
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$141,381
−HK$4,333/mo
Today · 4.125%
HK$145,714
baseline
▲ 0.50% · 4.625%
HK$154,580
+HK$8,866/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,428/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,540
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$156,631
−HK$4,150/mo
Today · 4.125%
HK$160,781
baseline
▲ 0.50% · 4.625%
HK$169,256
+HK$8,475/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,562/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,292
−HK$11,055/mo
▼ 0.25% · 3.875%
HK$181,775
−HK$5,572/mo
Today · 4.125%
HK$187,347
baseline
▲ 0.50% · 4.625%
HK$198,746
+HK$11,399/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$374,694/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,123
−HK$10,595/mo
▼ 0.25% · 3.875%
HK$201,382
−HK$5,336/mo
Today · 4.125%
HK$206,718
baseline
▲ 0.50% · 4.625%
HK$217,615
+HK$10,897/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$413,436/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,426 · Scale 2, in force from 26 Feb 2026)