LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,050
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,069
−HK$3,067/mo
Today · 4.125%
HK$103,136
baseline
▲ 0.50% · 4.625%
HK$109,411
+HK$6,275/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$206,272/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,808,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,967
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,863
−HK$2,937/mo
Today · 4.125%
HK$113,800
baseline
▲ 0.50% · 4.625%
HK$119,799
+HK$5,999/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$227,600/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,808,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,460
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,082
−HK$3,681/mo
Today · 4.125%
HK$123,763
baseline
▲ 0.50% · 4.625%
HK$131,294
+HK$7,531/mo
Deposit HK$17.02M · loan HK$25.54M · min. income ≈ HK$247,526/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,560
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,035
−HK$3,525/mo
Today · 4.125%
HK$136,560
baseline
▲ 0.50% · 4.625%
HK$143,758
+HK$7,198/mo
Deposit HK$17.02M · loan HK$25.54M · min. income ≈ HK$273,120/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,870
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$140,096
−HK$4,294/mo
Today · 4.125%
HK$144,390
baseline
▲ 0.50% · 4.625%
HK$153,176
+HK$8,786/mo
Deposit HK$12.77M · loan HK$29.79M · min. income ≈ HK$288,780/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,808,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,154
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$155,208
−HK$4,112/mo
Today · 4.125%
HK$159,320
baseline
▲ 0.50% · 4.625%
HK$167,718
+HK$8,398/mo
Deposit HK$12.77M · loan HK$29.79M · min. income ≈ HK$318,640/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,808,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,690
−HK$10,954/mo
▼ 0.25% · 3.875%
HK$180,124
−HK$5,520/mo
Today · 4.125%
HK$185,644
baseline
▲ 0.50% · 4.625%
HK$196,940
+HK$11,296/mo
Deposit HK$4.26M · loan HK$38.30M · min. income ≈ HK$371,288/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,341
−HK$10,499/mo
▼ 0.25% · 3.875%
HK$199,553
−HK$5,287/mo
Today · 4.125%
HK$204,840
baseline
▲ 0.50% · 4.625%
HK$215,638
+HK$10,798/mo
Deposit HK$4.26M · loan HK$38.30M · min. income ≈ HK$409,680/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,841 · Scale 2, in force from 26 Feb 2026)