LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,990
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,007
−HK$3,065/mo
Today · 4.125%
HK$103,072
baseline
▲ 0.50% · 4.625%
HK$109,344
+HK$6,272/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$206,144/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,901
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,794
−HK$2,936/mo
Today · 4.125%
HK$113,730
baseline
▲ 0.50% · 4.625%
HK$119,725
+HK$5,995/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$227,460/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,388
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,009
−HK$3,678/mo
Today · 4.125%
HK$123,687
baseline
▲ 0.50% · 4.625%
HK$131,213
+HK$7,526/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$247,374/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,481
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$132,953
−HK$3,523/mo
Today · 4.125%
HK$136,476
baseline
▲ 0.50% · 4.625%
HK$143,670
+HK$7,194/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$272,952/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,786
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$140,010
−HK$4,291/mo
Today · 4.125%
HK$144,301
baseline
▲ 0.50% · 4.625%
HK$153,082
+HK$8,781/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$288,602/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,061
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$155,112
−HK$4,110/mo
Today · 4.125%
HK$159,222
baseline
▲ 0.50% · 4.625%
HK$167,615
+HK$8,393/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$318,444/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,582
−HK$10,948/mo
▼ 0.25% · 3.875%
HK$180,013
−HK$5,517/mo
Today · 4.125%
HK$185,530
baseline
▲ 0.50% · 4.625%
HK$196,819
+HK$11,289/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$371,060/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,221
−HK$10,493/mo
▼ 0.25% · 3.875%
HK$199,430
−HK$5,284/mo
Today · 4.125%
HK$204,714
baseline
▲ 0.50% · 4.625%
HK$215,505
+HK$10,791/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$409,428/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,729 · Scale 2, in force from 26 Feb 2026)