LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,952
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$100,999
−HK$3,096/mo
Today · 4.125%
HK$104,095
baseline
▲ 0.50% · 4.625%
HK$110,429
+HK$6,334/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,190/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,971
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,893
−HK$2,965/mo
Today · 4.125%
HK$114,858
baseline
▲ 0.50% · 4.625%
HK$120,912
+HK$6,054/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,716/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,543
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,199
−HK$3,715/mo
Today · 4.125%
HK$124,914
baseline
▲ 0.50% · 4.625%
HK$132,514
+HK$7,600/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,828/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,765
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,272
−HK$3,558/mo
Today · 4.125%
HK$137,830
baseline
▲ 0.50% · 4.625%
HK$145,095
+HK$7,265/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,660/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,133
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$141,399
−HK$4,333/mo
Today · 4.125%
HK$145,732
baseline
▲ 0.50% · 4.625%
HK$154,600
+HK$8,868/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,464/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,559
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,651
−HK$4,150/mo
Today · 4.125%
HK$160,801
baseline
▲ 0.50% · 4.625%
HK$169,277
+HK$8,476/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,602/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,314
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$181,798
−HK$5,572/mo
Today · 4.125%
HK$187,370
baseline
▲ 0.50% · 4.625%
HK$198,771
+HK$11,401/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$374,740/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,147
−HK$10,598/mo
▼ 0.25% · 3.875%
HK$201,408
−HK$5,337/mo
Today · 4.125%
HK$206,745
baseline
▲ 0.50% · 4.625%
HK$217,642
+HK$10,897/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$413,490/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,658 · Scale 2, in force from 26 Feb 2026)