LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,076
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,095
−HK$3,068/mo
Today · 4.125%
HK$103,163
baseline
▲ 0.50% · 4.625%
HK$109,441
+HK$6,278/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$206,326/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,996
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,892
−HK$2,939/mo
Today · 4.125%
HK$113,831
baseline
▲ 0.50% · 4.625%
HK$119,831
+HK$6,000/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$227,662/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,491
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,115
−HK$3,681/mo
Today · 4.125%
HK$123,796
baseline
▲ 0.50% · 4.625%
HK$131,329
+HK$7,533/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$247,592/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,595
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,071
−HK$3,526/mo
Today · 4.125%
HK$136,597
baseline
▲ 0.50% · 4.625%
HK$143,797
+HK$7,200/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$273,194/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,906
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$140,134
−HK$4,295/mo
Today · 4.125%
HK$144,429
baseline
▲ 0.50% · 4.625%
HK$153,217
+HK$8,788/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$288,858/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,194
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$155,249
−HK$4,114/mo
Today · 4.125%
HK$159,363
baseline
▲ 0.50% · 4.625%
HK$167,763
+HK$8,400/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$318,726/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,736
−HK$10,958/mo
▼ 0.25% · 3.875%
HK$180,172
−HK$5,522/mo
Today · 4.125%
HK$185,694
baseline
▲ 0.50% · 4.625%
HK$196,993
+HK$11,299/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$371,388/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,393
−HK$10,502/mo
▼ 0.25% · 3.875%
HK$199,606
−HK$5,289/mo
Today · 4.125%
HK$204,895
baseline
▲ 0.50% · 4.625%
HK$215,695
+HK$10,800/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$409,790/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,324 · Scale 2, in force from 26 Feb 2026)