LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,980
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,028
−HK$3,096/mo
Today · 4.125%
HK$104,124
baseline
▲ 0.50% · 4.625%
HK$110,460
+HK$6,336/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,248/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,002
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,925
−HK$2,966/mo
Today · 4.125%
HK$114,891
baseline
▲ 0.50% · 4.625%
HK$120,947
+HK$6,056/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,782/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,576
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,234
−HK$3,715/mo
Today · 4.125%
HK$124,949
baseline
▲ 0.50% · 4.625%
HK$132,552
+HK$7,603/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$249,898/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,802
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,311
−HK$3,558/mo
Today · 4.125%
HK$137,869
baseline
▲ 0.50% · 4.625%
HK$145,137
+HK$7,268/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$275,738/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,172
−HK$8,602/mo
▼ 0.25% · 3.875%
HK$141,439
−HK$4,335/mo
Today · 4.125%
HK$145,774
baseline
▲ 0.50% · 4.625%
HK$154,644
+HK$8,870/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$291,548/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,603
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$156,696
−HK$4,152/mo
Today · 4.125%
HK$160,848
baseline
▲ 0.50% · 4.625%
HK$169,326
+HK$8,478/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$321,696/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,364
−HK$11,060/mo
▼ 0.25% · 3.875%
HK$181,850
−HK$5,574/mo
Today · 4.125%
HK$187,424
baseline
▲ 0.50% · 4.625%
HK$198,828
+HK$11,404/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$374,848/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,204
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$201,466
−HK$5,338/mo
Today · 4.125%
HK$206,804
baseline
▲ 0.50% · 4.625%
HK$217,705
+HK$10,901/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$413,608/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,181 · Scale 2, in force from 26 Feb 2026)