LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,163
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,185
−HK$3,071/mo
Today · 4.125%
HK$103,256
baseline
▲ 0.50% · 4.625%
HK$109,539
+HK$6,283/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$206,512/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,810,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,093
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,992
−HK$2,940/mo
Today · 4.125%
HK$113,932
baseline
▲ 0.50% · 4.625%
HK$119,938
+HK$6,006/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$227,864/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,810,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,595
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,222
−HK$3,685/mo
Today · 4.125%
HK$123,907
baseline
▲ 0.50% · 4.625%
HK$131,446
+HK$7,539/mo
Deposit HK$17.04M · loan HK$25.57M · min. income ≈ HK$247,814/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,810,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,711
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,190
−HK$3,529/mo
Today · 4.125%
HK$136,719
baseline
▲ 0.50% · 4.625%
HK$143,926
+HK$7,207/mo
Deposit HK$17.04M · loan HK$25.57M · min. income ≈ HK$273,438/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,810,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,028
−HK$8,530/mo
▼ 0.25% · 3.875%
HK$140,259
−HK$4,299/mo
Today · 4.125%
HK$144,558
baseline
▲ 0.50% · 4.625%
HK$153,354
+HK$8,796/mo
Deposit HK$12.78M · loan HK$29.83M · min. income ≈ HK$289,116/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,330
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$155,388
−HK$4,117/mo
Today · 4.125%
HK$159,505
baseline
▲ 0.50% · 4.625%
HK$167,913
+HK$8,408/mo
Deposit HK$12.78M · loan HK$29.83M · min. income ≈ HK$319,010/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,893
−HK$10,967/mo
▼ 0.25% · 3.875%
HK$180,333
−HK$5,527/mo
Today · 4.125%
HK$185,860
baseline
▲ 0.50% · 4.625%
HK$197,169
+HK$11,309/mo
Deposit HK$4.26M · loan HK$38.35M · min. income ≈ HK$371,720/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,567
−HK$10,511/mo
▼ 0.25% · 3.875%
HK$199,785
−HK$5,293/mo
Today · 4.125%
HK$205,078
baseline
▲ 0.50% · 4.625%
HK$215,888
+HK$10,810/mo
Deposit HK$4.26M · loan HK$38.35M · min. income ≈ HK$410,156/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,943 · Scale 2, in force from 26 Feb 2026)