LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,159
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,182
−HK$3,070/mo
Today · 4.125%
HK$103,252
baseline
▲ 0.50% · 4.625%
HK$109,535
+HK$6,283/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$206,504/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,810,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,089
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$110,988
−HK$2,941/mo
Today · 4.125%
HK$113,929
baseline
▲ 0.50% · 4.625%
HK$119,934
+HK$6,005/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$227,858/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,810,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,591
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,218
−HK$3,685/mo
Today · 4.125%
HK$123,903
baseline
▲ 0.50% · 4.625%
HK$131,442
+HK$7,539/mo
Deposit HK$17.04M · loan HK$25.57M · min. income ≈ HK$247,806/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,707
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$133,185
−HK$3,529/mo
Today · 4.125%
HK$136,714
baseline
▲ 0.50% · 4.625%
HK$143,921
+HK$7,207/mo
Deposit HK$17.04M · loan HK$25.57M · min. income ≈ HK$273,428/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,023
−HK$8,530/mo
▼ 0.25% · 3.875%
HK$140,254
−HK$4,299/mo
Today · 4.125%
HK$144,553
baseline
▲ 0.50% · 4.625%
HK$153,349
+HK$8,796/mo
Deposit HK$12.78M · loan HK$29.83M · min. income ≈ HK$289,106/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,324
−HK$8,176/mo
▼ 0.25% · 3.875%
HK$155,383
−HK$4,117/mo
Today · 4.125%
HK$159,500
baseline
▲ 0.50% · 4.625%
HK$167,907
+HK$8,407/mo
Deposit HK$12.78M · loan HK$29.83M · min. income ≈ HK$319,000/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,887
−HK$10,967/mo
▼ 0.25% · 3.875%
HK$180,327
−HK$5,527/mo
Today · 4.125%
HK$185,854
baseline
▲ 0.50% · 4.625%
HK$197,163
+HK$11,309/mo
Deposit HK$4.26M · loan HK$38.35M · min. income ≈ HK$371,708/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,560
−HK$10,511/mo
▼ 0.25% · 3.875%
HK$199,778
−HK$5,293/mo
Today · 4.125%
HK$205,071
baseline
▲ 0.50% · 4.625%
HK$215,881
+HK$10,810/mo
Deposit HK$4.26M · loan HK$38.35M · min. income ≈ HK$410,142/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,881 · Scale 2, in force from 26 Feb 2026)