LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,966
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,013
−HK$3,096/mo
Today · 4.125%
HK$104,109
baseline
▲ 0.50% · 4.625%
HK$110,444
+HK$6,335/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,218/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,825,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,986
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,909
−HK$2,965/mo
Today · 4.125%
HK$114,874
baseline
▲ 0.50% · 4.625%
HK$120,930
+HK$6,056/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,748/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,825,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,559
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,216
−HK$3,715/mo
Today · 4.125%
HK$124,931
baseline
▲ 0.50% · 4.625%
HK$132,533
+HK$7,602/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$249,862/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,783
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,291
−HK$3,558/mo
Today · 4.125%
HK$137,849
baseline
▲ 0.50% · 4.625%
HK$145,115
+HK$7,266/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$275,698/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,152
−HK$8,601/mo
▼ 0.25% · 3.875%
HK$141,419
−HK$4,334/mo
Today · 4.125%
HK$145,753
baseline
▲ 0.50% · 4.625%
HK$154,622
+HK$8,869/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,506/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,581
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$156,673
−HK$4,151/mo
Today · 4.125%
HK$160,824
baseline
▲ 0.50% · 4.625%
HK$169,301
+HK$8,477/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,648/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,339
−HK$11,058/mo
▼ 0.25% · 3.875%
HK$181,824
−HK$5,573/mo
Today · 4.125%
HK$187,397
baseline
▲ 0.50% · 4.625%
HK$198,799
+HK$11,402/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$374,794/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,175
−HK$10,599/mo
▼ 0.25% · 3.875%
HK$201,436
−HK$5,338/mo
Today · 4.125%
HK$206,774
baseline
▲ 0.50% · 4.625%
HK$217,673
+HK$10,899/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$413,548/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,916 · Scale 2, in force from 26 Feb 2026)