LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,180
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,203
−HK$3,071/mo
Today · 4.125%
HK$103,274
baseline
▲ 0.50% · 4.625%
HK$109,558
+HK$6,284/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$206,548/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,811,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,112
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,011
−HK$2,942/mo
Today · 4.125%
HK$113,953
baseline
▲ 0.50% · 4.625%
HK$119,959
+HK$6,006/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$227,906/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,811,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,616
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$120,243
−HK$3,686/mo
Today · 4.125%
HK$123,929
baseline
▲ 0.50% · 4.625%
HK$131,470
+HK$7,541/mo
Deposit HK$17.05M · loan HK$25.57M · min. income ≈ HK$247,858/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,734
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$133,214
−HK$3,529/mo
Today · 4.125%
HK$136,743
baseline
▲ 0.50% · 4.625%
HK$143,951
+HK$7,208/mo
Deposit HK$17.05M · loan HK$25.57M · min. income ≈ HK$273,486/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,052
−HK$8,532/mo
▼ 0.25% · 3.875%
HK$140,284
−HK$4,300/mo
Today · 4.125%
HK$144,584
baseline
▲ 0.50% · 4.625%
HK$153,381
+HK$8,797/mo
Deposit HK$12.79M · loan HK$29.83M · min. income ≈ HK$289,168/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,356
−HK$8,178/mo
▼ 0.25% · 3.875%
HK$155,416
−HK$4,118/mo
Today · 4.125%
HK$159,534
baseline
▲ 0.50% · 4.625%
HK$167,943
+HK$8,409/mo
Deposit HK$12.79M · loan HK$29.83M · min. income ≈ HK$319,068/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,924
−HK$10,969/mo
▼ 0.25% · 3.875%
HK$180,365
−HK$5,528/mo
Today · 4.125%
HK$185,893
baseline
▲ 0.50% · 4.625%
HK$197,204
+HK$11,311/mo
Deposit HK$4.26M · loan HK$38.36M · min. income ≈ HK$371,786/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,601
−HK$10,514/mo
▼ 0.25% · 3.875%
HK$199,820
−HK$5,295/mo
Today · 4.125%
HK$205,115
baseline
▲ 0.50% · 4.625%
HK$215,927
+HK$10,812/mo
Deposit HK$4.26M · loan HK$38.36M · min. income ≈ HK$410,230/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,266 · Scale 2, in force from 26 Feb 2026)