LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,192
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$100,216
−HK$3,071/mo
Today · 4.125%
HK$103,287
baseline
▲ 0.50% · 4.625%
HK$109,572
+HK$6,285/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$206,574/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,811,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,125
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,025
−HK$2,942/mo
Today · 4.125%
HK$113,967
baseline
▲ 0.50% · 4.625%
HK$119,975
+HK$6,008/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$227,934/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,811,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,631
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,259
−HK$3,686/mo
Today · 4.125%
HK$123,945
baseline
▲ 0.50% · 4.625%
HK$131,486
+HK$7,541/mo
Deposit HK$17.05M · loan HK$25.57M · min. income ≈ HK$247,890/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,751
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,230
−HK$3,531/mo
Today · 4.125%
HK$136,761
baseline
▲ 0.50% · 4.625%
HK$143,969
+HK$7,208/mo
Deposit HK$17.05M · loan HK$25.57M · min. income ≈ HK$273,522/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,069
−HK$8,533/mo
▼ 0.25% · 3.875%
HK$140,302
−HK$4,300/mo
Today · 4.125%
HK$144,602
baseline
▲ 0.50% · 4.625%
HK$153,401
+HK$8,799/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$289,204/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,376
−HK$8,178/mo
▼ 0.25% · 3.875%
HK$155,436
−HK$4,118/mo
Today · 4.125%
HK$159,554
baseline
▲ 0.50% · 4.625%
HK$167,964
+HK$8,410/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$319,108/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,946
−HK$10,971/mo
▼ 0.25% · 3.875%
HK$180,388
−HK$5,529/mo
Today · 4.125%
HK$185,917
baseline
▲ 0.50% · 4.625%
HK$197,229
+HK$11,312/mo
Deposit HK$4.26M · loan HK$38.36M · min. income ≈ HK$371,834/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,626
−HK$10,515/mo
▼ 0.25% · 3.875%
HK$199,846
−HK$5,295/mo
Today · 4.125%
HK$205,141
baseline
▲ 0.50% · 4.625%
HK$215,954
+HK$10,813/mo
Deposit HK$4.26M · loan HK$38.36M · min. income ≈ HK$410,282/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,496 · Scale 2, in force from 26 Feb 2026)