LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,175
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,197
−HK$3,071/mo
Today · 4.125%
HK$103,268
baseline
▲ 0.50% · 4.625%
HK$109,552
+HK$6,284/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$206,536/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,811,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,106
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,005
−HK$2,942/mo
Today · 4.125%
HK$113,947
baseline
▲ 0.50% · 4.625%
HK$119,953
+HK$6,006/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$227,894/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,811,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,610
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,237
−HK$3,685/mo
Today · 4.125%
HK$123,922
baseline
▲ 0.50% · 4.625%
HK$131,462
+HK$7,540/mo
Deposit HK$17.05M · loan HK$25.57M · min. income ≈ HK$247,844/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,727
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$133,206
−HK$3,530/mo
Today · 4.125%
HK$136,736
baseline
▲ 0.50% · 4.625%
HK$143,943
+HK$7,207/mo
Deposit HK$17.05M · loan HK$25.57M · min. income ≈ HK$273,472/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,045
−HK$8,531/mo
▼ 0.25% · 3.875%
HK$140,276
−HK$4,300/mo
Today · 4.125%
HK$144,576
baseline
▲ 0.50% · 4.625%
HK$153,373
+HK$8,797/mo
Deposit HK$12.78M · loan HK$29.83M · min. income ≈ HK$289,152/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,348
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$155,407
−HK$4,118/mo
Today · 4.125%
HK$159,525
baseline
▲ 0.50% · 4.625%
HK$167,934
+HK$8,409/mo
Deposit HK$12.78M · loan HK$29.83M · min. income ≈ HK$319,050/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,915
−HK$10,968/mo
▼ 0.25% · 3.875%
HK$180,355
−HK$5,528/mo
Today · 4.125%
HK$185,883
baseline
▲ 0.50% · 4.625%
HK$197,194
+HK$11,311/mo
Deposit HK$4.26M · loan HK$38.35M · min. income ≈ HK$371,766/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,591
−HK$10,513/mo
▼ 0.25% · 3.875%
HK$199,809
−HK$5,295/mo
Today · 4.125%
HK$205,104
baseline
▲ 0.50% · 4.625%
HK$215,915
+HK$10,811/mo
Deposit HK$4.26M · loan HK$38.35M · min. income ≈ HK$410,208/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,168 · Scale 2, in force from 26 Feb 2026)