LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,209
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,233
−HK$3,072/mo
Today · 4.125%
HK$103,305
baseline
▲ 0.50% · 4.625%
HK$109,590
+HK$6,285/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,610/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,811,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,144
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,044
−HK$2,942/mo
Today · 4.125%
HK$113,986
baseline
▲ 0.50% · 4.625%
HK$119,995
+HK$6,009/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$227,972/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,811,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,651
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,279
−HK$3,687/mo
Today · 4.125%
HK$123,966
baseline
▲ 0.50% · 4.625%
HK$131,509
+HK$7,543/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$247,932/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,773
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,253
−HK$3,531/mo
Today · 4.125%
HK$136,784
baseline
▲ 0.50% · 4.625%
HK$143,994
+HK$7,210/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$273,568/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,092
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$140,326
−HK$4,301/mo
Today · 4.125%
HK$144,627
baseline
▲ 0.50% · 4.625%
HK$153,427
+HK$8,800/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$289,254/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,401
−HK$8,180/mo
▼ 0.25% · 3.875%
HK$155,462
−HK$4,119/mo
Today · 4.125%
HK$159,581
baseline
▲ 0.50% · 4.625%
HK$167,993
+HK$8,412/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$319,162/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,976
−HK$10,972/mo
▼ 0.25% · 3.875%
HK$180,419
−HK$5,529/mo
Today · 4.125%
HK$185,948
baseline
▲ 0.50% · 4.625%
HK$197,263
+HK$11,315/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$371,896/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,659
−HK$10,517/mo
▼ 0.25% · 3.875%
HK$199,880
−HK$5,296/mo
Today · 4.125%
HK$205,176
baseline
▲ 0.50% · 4.625%
HK$215,991
+HK$10,815/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$410,352/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,803 · Scale 2, in force from 26 Feb 2026)