LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,987
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,035
−HK$3,096/mo
Today · 4.125%
HK$104,131
baseline
▲ 0.50% · 4.625%
HK$110,467
+HK$6,336/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$208,262/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,009
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,933
−HK$2,966/mo
Today · 4.125%
HK$114,899
baseline
▲ 0.50% · 4.625%
HK$120,955
+HK$6,056/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$229,798/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,584
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$121,242
−HK$3,716/mo
Today · 4.125%
HK$124,958
baseline
▲ 0.50% · 4.625%
HK$132,561
+HK$7,603/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$249,916/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,811
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,319
−HK$3,559/mo
Today · 4.125%
HK$137,878
baseline
▲ 0.50% · 4.625%
HK$145,146
+HK$7,268/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$275,756/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,181
−HK$8,603/mo
▼ 0.25% · 3.875%
HK$141,448
−HK$4,336/mo
Today · 4.125%
HK$145,784
baseline
▲ 0.50% · 4.625%
HK$154,654
+HK$8,870/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$291,568/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,613
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$156,706
−HK$4,152/mo
Today · 4.125%
HK$160,858
baseline
▲ 0.50% · 4.625%
HK$169,337
+HK$8,479/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$321,716/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,376
−HK$11,060/mo
▼ 0.25% · 3.875%
HK$181,862
−HK$5,574/mo
Today · 4.125%
HK$187,436
baseline
▲ 0.50% · 4.625%
HK$198,841
+HK$11,405/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$374,872/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,216
−HK$10,601/mo
▼ 0.25% · 3.875%
HK$201,479
−HK$5,338/mo
Today · 4.125%
HK$206,817
baseline
▲ 0.50% · 4.625%
HK$217,719
+HK$10,902/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$413,634/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,301 · Scale 2, in force from 26 Feb 2026)