LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,964
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,011
−HK$3,096/mo
Today · 4.125%
HK$104,107
baseline
▲ 0.50% · 4.625%
HK$110,442
+HK$6,335/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,214/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,984
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,907
−HK$2,965/mo
Today · 4.125%
HK$114,872
baseline
▲ 0.50% · 4.625%
HK$120,927
+HK$6,055/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,744/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,557
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,213
−HK$3,716/mo
Today · 4.125%
HK$124,929
baseline
▲ 0.50% · 4.625%
HK$132,530
+HK$7,601/mo
Deposit HK$17.18M · loan HK$25.78M · min. income ≈ HK$249,858/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,781
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,288
−HK$3,558/mo
Today · 4.125%
HK$137,846
baseline
▲ 0.50% · 4.625%
HK$145,112
+HK$7,266/mo
Deposit HK$17.18M · loan HK$25.78M · min. income ≈ HK$275,692/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,150
−HK$8,600/mo
▼ 0.25% · 3.875%
HK$141,416
−HK$4,334/mo
Today · 4.125%
HK$145,750
baseline
▲ 0.50% · 4.625%
HK$154,619
+HK$8,869/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,500/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,577
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$156,670
−HK$4,151/mo
Today · 4.125%
HK$160,821
baseline
▲ 0.50% · 4.625%
HK$169,298
+HK$8,477/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,642/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,335
−HK$11,058/mo
▼ 0.25% · 3.875%
HK$181,820
−HK$5,573/mo
Today · 4.125%
HK$187,393
baseline
▲ 0.50% · 4.625%
HK$198,795
+HK$11,402/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$374,786/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,171
−HK$10,599/mo
▼ 0.25% · 3.875%
HK$201,432
−HK$5,338/mo
Today · 4.125%
HK$206,770
baseline
▲ 0.50% · 4.625%
HK$217,669
+HK$10,899/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$413,540/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,877 · Scale 2, in force from 26 Feb 2026)