LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,951
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,998
−HK$3,095/mo
Today · 4.125%
HK$104,093
baseline
▲ 0.50% · 4.625%
HK$110,427
+HK$6,334/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,186/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,970
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,892
−HK$2,965/mo
Today · 4.125%
HK$114,857
baseline
▲ 0.50% · 4.625%
HK$120,911
+HK$6,054/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,714/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,541
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,197
−HK$3,715/mo
Today · 4.125%
HK$124,912
baseline
▲ 0.50% · 4.625%
HK$132,513
+HK$7,601/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,824/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,763
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,270
−HK$3,558/mo
Today · 4.125%
HK$137,828
baseline
▲ 0.50% · 4.625%
HK$145,093
+HK$7,265/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,656/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,131
−HK$8,600/mo
▼ 0.25% · 3.875%
HK$141,397
−HK$4,334/mo
Today · 4.125%
HK$145,731
baseline
▲ 0.50% · 4.625%
HK$154,598
+HK$8,867/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,462/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,557
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$156,649
−HK$4,151/mo
Today · 4.125%
HK$160,800
baseline
▲ 0.50% · 4.625%
HK$169,275
+HK$8,475/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,600/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,312
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$181,796
−HK$5,572/mo
Today · 4.125%
HK$187,368
baseline
▲ 0.50% · 4.625%
HK$198,769
+HK$11,401/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$374,736/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,145
−HK$10,597/mo
▼ 0.25% · 3.875%
HK$201,406
−HK$5,336/mo
Today · 4.125%
HK$206,742
baseline
▲ 0.50% · 4.625%
HK$217,640
+HK$10,898/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$413,484/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,636 · Scale 2, in force from 26 Feb 2026)