LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,003
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,020
−HK$3,066/mo
Today · 4.125%
HK$103,086
baseline
▲ 0.50% · 4.625%
HK$109,359
+HK$6,273/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$206,172/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,915
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,809
−HK$2,936/mo
Today · 4.125%
HK$113,745
baseline
▲ 0.50% · 4.625%
HK$119,741
+HK$5,996/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$227,490/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,404
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,025
−HK$3,678/mo
Today · 4.125%
HK$123,703
baseline
▲ 0.50% · 4.625%
HK$131,230
+HK$7,527/mo
Deposit HK$17.02M · loan HK$25.52M · min. income ≈ HK$247,406/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,498
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$132,971
−HK$3,523/mo
Today · 4.125%
HK$136,494
baseline
▲ 0.50% · 4.625%
HK$143,689
+HK$7,195/mo
Deposit HK$17.02M · loan HK$25.52M · min. income ≈ HK$272,988/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,804
−HK$8,516/mo
▼ 0.25% · 3.875%
HK$140,029
−HK$4,291/mo
Today · 4.125%
HK$144,320
baseline
▲ 0.50% · 4.625%
HK$153,102
+HK$8,782/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$288,640/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,081
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$155,133
−HK$4,110/mo
Today · 4.125%
HK$159,243
baseline
▲ 0.50% · 4.625%
HK$167,637
+HK$8,394/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$318,486/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,606
−HK$10,949/mo
▼ 0.25% · 3.875%
HK$180,037
−HK$5,518/mo
Today · 4.125%
HK$185,555
baseline
▲ 0.50% · 4.625%
HK$196,845
+HK$11,290/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$371,110/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,247
−HK$10,494/mo
▼ 0.25% · 3.875%
HK$199,457
−HK$5,284/mo
Today · 4.125%
HK$204,741
baseline
▲ 0.50% · 4.625%
HK$215,534
+HK$10,793/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$409,482/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,969 · Scale 2, in force from 26 Feb 2026)