LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,130
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,151
−HK$3,070/mo
Today · 4.125%
HK$103,221
baseline
▲ 0.50% · 4.625%
HK$109,501
+HK$6,280/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$206,442/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,056
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,954
−HK$2,940/mo
Today · 4.125%
HK$113,894
baseline
▲ 0.50% · 4.625%
HK$119,897
+HK$6,003/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$227,788/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,556
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$120,181
−HK$3,684/mo
Today · 4.125%
HK$123,865
baseline
▲ 0.50% · 4.625%
HK$131,402
+HK$7,537/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$247,730/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,667
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$133,145
−HK$3,528/mo
Today · 4.125%
HK$136,673
baseline
▲ 0.50% · 4.625%
HK$143,877
+HK$7,204/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$273,346/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,982
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$140,211
−HK$4,298/mo
Today · 4.125%
HK$144,509
baseline
▲ 0.50% · 4.625%
HK$153,302
+HK$8,793/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$289,018/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,278
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$155,335
−HK$4,116/mo
Today · 4.125%
HK$159,451
baseline
▲ 0.50% · 4.625%
HK$167,856
+HK$8,405/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$318,902/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,834
−HK$10,963/mo
▼ 0.25% · 3.875%
HK$180,272
−HK$5,525/mo
Today · 4.125%
HK$185,797
baseline
▲ 0.50% · 4.625%
HK$197,102
+HK$11,305/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$371,594/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,501
−HK$10,508/mo
▼ 0.25% · 3.875%
HK$199,717
−HK$5,292/mo
Today · 4.125%
HK$205,009
baseline
▲ 0.50% · 4.625%
HK$215,815
+HK$10,806/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$410,018/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,329 · Scale 2, in force from 26 Feb 2026)