LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,144
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,166
−HK$3,070/mo
Today · 4.125%
HK$103,236
baseline
▲ 0.50% · 4.625%
HK$109,517
+HK$6,281/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$206,472/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,072
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,970
−HK$2,940/mo
Today · 4.125%
HK$113,910
baseline
▲ 0.50% · 4.625%
HK$119,915
+HK$6,005/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$227,820/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,573
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$120,199
−HK$3,684/mo
Today · 4.125%
HK$123,883
baseline
▲ 0.50% · 4.625%
HK$131,421
+HK$7,538/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$247,766/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,686
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$133,164
−HK$3,528/mo
Today · 4.125%
HK$136,692
baseline
▲ 0.50% · 4.625%
HK$143,898
+HK$7,206/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$273,384/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,001
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$140,232
−HK$4,298/mo
Today · 4.125%
HK$144,530
baseline
▲ 0.50% · 4.625%
HK$153,324
+HK$8,794/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$289,060/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,300
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$155,358
−HK$4,117/mo
Today · 4.125%
HK$159,475
baseline
▲ 0.50% · 4.625%
HK$167,881
+HK$8,406/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$318,950/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,859
−HK$10,965/mo
▼ 0.25% · 3.875%
HK$180,298
−HK$5,526/mo
Today · 4.125%
HK$185,824
baseline
▲ 0.50% · 4.625%
HK$197,131
+HK$11,307/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$371,648/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,529
−HK$10,510/mo
▼ 0.25% · 3.875%
HK$199,746
−HK$5,293/mo
Today · 4.125%
HK$205,039
baseline
▲ 0.50% · 4.625%
HK$215,847
+HK$10,808/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$410,078/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,593 · Scale 2, in force from 26 Feb 2026)