LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,035
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,085
−HK$3,098/mo
Today · 4.125%
HK$104,183
baseline
▲ 0.50% · 4.625%
HK$110,522
+HK$6,339/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,366/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,063
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$111,988
−HK$2,968/mo
Today · 4.125%
HK$114,956
baseline
▲ 0.50% · 4.625%
HK$121,015
+HK$6,059/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,912/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,642
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,302
−HK$3,718/mo
Today · 4.125%
HK$125,020
baseline
▲ 0.50% · 4.625%
HK$132,627
+HK$7,607/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,040/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,827,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,876
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$134,386
−HK$3,561/mo
Today · 4.125%
HK$137,947
baseline
▲ 0.50% · 4.625%
HK$145,218
+HK$7,271/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,894/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,827,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,250
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$141,519
−HK$4,337/mo
Today · 4.125%
HK$145,856
baseline
▲ 0.50% · 4.625%
HK$154,731
+HK$8,875/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$291,712/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,689
−HK$8,249/mo
▼ 0.25% · 3.875%
HK$156,784
−HK$4,154/mo
Today · 4.125%
HK$160,938
baseline
▲ 0.50% · 4.625%
HK$169,421
+HK$8,483/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$321,876/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,464
−HK$11,065/mo
▼ 0.25% · 3.875%
HK$181,953
−HK$5,576/mo
Today · 4.125%
HK$187,529
baseline
▲ 0.50% · 4.625%
HK$198,940
+HK$11,411/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$375,058/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,314
−HK$10,606/mo
▼ 0.25% · 3.875%
HK$201,579
−HK$5,341/mo
Today · 4.125%
HK$206,920
baseline
▲ 0.50% · 4.625%
HK$217,827
+HK$10,907/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$413,840/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,209 · Scale 2, in force from 26 Feb 2026)