LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,126
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,148
−HK$3,069/mo
Today · 4.125%
HK$103,217
baseline
▲ 0.50% · 4.625%
HK$109,498
+HK$6,281/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$206,434/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,052
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,950
−HK$2,940/mo
Today · 4.125%
HK$113,890
baseline
▲ 0.50% · 4.625%
HK$119,893
+HK$6,003/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$227,780/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,552
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$120,177
−HK$3,683/mo
Today · 4.125%
HK$123,860
baseline
▲ 0.50% · 4.625%
HK$131,397
+HK$7,537/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$247,720/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,662
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$133,140
−HK$3,528/mo
Today · 4.125%
HK$136,668
baseline
▲ 0.50% · 4.625%
HK$143,872
+HK$7,204/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$273,336/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,977
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$140,207
−HK$4,297/mo
Today · 4.125%
HK$144,504
baseline
▲ 0.50% · 4.625%
HK$153,297
+HK$8,793/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$289,008/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,273
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$155,330
−HK$4,116/mo
Today · 4.125%
HK$159,446
baseline
▲ 0.50% · 4.625%
HK$167,850
+HK$8,404/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$318,892/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,827
−HK$10,964/mo
▼ 0.25% · 3.875%
HK$180,266
−HK$5,525/mo
Today · 4.125%
HK$185,791
baseline
▲ 0.50% · 4.625%
HK$197,096
+HK$11,305/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$371,582/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,494
−HK$10,508/mo
▼ 0.25% · 3.875%
HK$199,710
−HK$5,292/mo
Today · 4.125%
HK$205,002
baseline
▲ 0.50% · 4.625%
HK$215,808
+HK$10,806/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$410,004/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,266 · Scale 2, in force from 26 Feb 2026)