LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,974
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,990
−HK$3,065/mo
Today · 4.125%
HK$103,055
baseline
▲ 0.50% · 4.625%
HK$109,326
+HK$6,271/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$206,110/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,882
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,776
−HK$2,935/mo
Today · 4.125%
HK$113,711
baseline
▲ 0.50% · 4.625%
HK$119,705
+HK$5,994/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$227,422/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,369
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$119,988
−HK$3,678/mo
Today · 4.125%
HK$123,666
baseline
▲ 0.50% · 4.625%
HK$131,191
+HK$7,525/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$247,332/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,459
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,931
−HK$3,522/mo
Today · 4.125%
HK$136,453
baseline
▲ 0.50% · 4.625%
HK$143,646
+HK$7,193/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$272,906/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,763
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$139,986
−HK$4,291/mo
Today · 4.125%
HK$144,277
baseline
▲ 0.50% · 4.625%
HK$153,056
+HK$8,779/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$288,554/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,035
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$155,086
−HK$4,109/mo
Today · 4.125%
HK$159,195
baseline
▲ 0.50% · 4.625%
HK$167,587
+HK$8,392/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$318,390/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,553
−HK$10,946/mo
▼ 0.25% · 3.875%
HK$179,983
−HK$5,516/mo
Today · 4.125%
HK$185,499
baseline
▲ 0.50% · 4.625%
HK$196,786
+HK$11,287/mo
Deposit HK$4.25M · loan HK$38.27M · min. income ≈ HK$370,998/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,188
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$199,396
−HK$5,284/mo
Today · 4.125%
HK$204,680
baseline
▲ 0.50% · 4.625%
HK$215,469
+HK$10,789/mo
Deposit HK$4.25M · loan HK$38.27M · min. income ≈ HK$409,360/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,424 · Scale 2, in force from 26 Feb 2026)