LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,975
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,023
−HK$3,096/mo
Today · 4.125%
HK$104,119
baseline
▲ 0.50% · 4.625%
HK$110,455
+HK$6,336/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,238/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,997
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,920
−HK$2,965/mo
Today · 4.125%
HK$114,885
baseline
▲ 0.50% · 4.625%
HK$120,941
+HK$6,056/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,770/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,571
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,228
−HK$3,715/mo
Today · 4.125%
HK$124,943
baseline
▲ 0.50% · 4.625%
HK$132,546
+HK$7,603/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$249,886/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,796
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,304
−HK$3,559/mo
Today · 4.125%
HK$137,863
baseline
▲ 0.50% · 4.625%
HK$145,129
+HK$7,266/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$275,726/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,166
−HK$8,601/mo
▼ 0.25% · 3.875%
HK$141,432
−HK$4,335/mo
Today · 4.125%
HK$145,767
baseline
▲ 0.50% · 4.625%
HK$154,637
+HK$8,870/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$291,534/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,595
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$156,688
−HK$4,152/mo
Today · 4.125%
HK$160,840
baseline
▲ 0.50% · 4.625%
HK$169,318
+HK$8,478/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$321,680/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,356
−HK$11,059/mo
▼ 0.25% · 3.875%
HK$181,841
−HK$5,574/mo
Today · 4.125%
HK$187,415
baseline
▲ 0.50% · 4.625%
HK$198,819
+HK$11,404/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$374,830/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,194
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$201,456
−HK$5,338/mo
Today · 4.125%
HK$206,794
baseline
▲ 0.50% · 4.625%
HK$217,694
+HK$10,900/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$413,588/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,092 · Scale 2, in force from 26 Feb 2026)