LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,948
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,995
−HK$3,095/mo
Today · 4.125%
HK$104,090
baseline
▲ 0.50% · 4.625%
HK$110,424
+HK$6,334/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,180/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,966
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,889
−HK$2,964/mo
Today · 4.125%
HK$114,853
baseline
▲ 0.50% · 4.625%
HK$120,907
+HK$6,054/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,706/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,538
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,194
−HK$3,714/mo
Today · 4.125%
HK$124,908
baseline
▲ 0.50% · 4.625%
HK$132,509
+HK$7,601/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,816/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,760
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,266
−HK$3,558/mo
Today · 4.125%
HK$137,824
baseline
▲ 0.50% · 4.625%
HK$145,089
+HK$7,265/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,648/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,127
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$141,393
−HK$4,333/mo
Today · 4.125%
HK$145,726
baseline
▲ 0.50% · 4.625%
HK$154,594
+HK$8,868/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,452/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,553
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,644
−HK$4,151/mo
Today · 4.125%
HK$160,795
baseline
▲ 0.50% · 4.625%
HK$169,270
+HK$8,475/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,590/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,307
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$181,791
−HK$5,572/mo
Today · 4.125%
HK$187,363
baseline
▲ 0.50% · 4.625%
HK$198,763
+HK$11,400/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$374,726/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,139
−HK$10,597/mo
▼ 0.25% · 3.875%
HK$201,400
−HK$5,336/mo
Today · 4.125%
HK$206,736
baseline
▲ 0.50% · 4.625%
HK$217,633
+HK$10,897/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$413,472/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,583 · Scale 2, in force from 26 Feb 2026)