LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,217
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,241
−HK$3,072/mo
Today · 4.125%
HK$103,313
baseline
▲ 0.50% · 4.625%
HK$109,600
+HK$6,287/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,626/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,811,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,153
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,053
−HK$2,943/mo
Today · 4.125%
HK$113,996
baseline
▲ 0.50% · 4.625%
HK$120,005
+HK$6,009/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$227,992/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,811,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,660
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,289
−HK$3,687/mo
Today · 4.125%
HK$123,976
baseline
▲ 0.50% · 4.625%
HK$131,520
+HK$7,544/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$247,952/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,811,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,783
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,264
−HK$3,531/mo
Today · 4.125%
HK$136,795
baseline
▲ 0.50% · 4.625%
HK$144,006
+HK$7,211/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$273,590/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,811,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,104
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$140,337
−HK$4,302/mo
Today · 4.125%
HK$144,639
baseline
▲ 0.50% · 4.625%
HK$153,439
+HK$8,800/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$289,278/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,414
−HK$8,180/mo
▼ 0.25% · 3.875%
HK$155,475
−HK$4,119/mo
Today · 4.125%
HK$159,594
baseline
▲ 0.50% · 4.625%
HK$168,007
+HK$8,413/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$319,188/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,990
−HK$10,974/mo
▼ 0.25% · 3.875%
HK$180,434
−HK$5,530/mo
Today · 4.125%
HK$185,964
baseline
▲ 0.50% · 4.625%
HK$197,279
+HK$11,315/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$371,928/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,811,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,675
−HK$10,518/mo
▼ 0.25% · 3.875%
HK$199,896
−HK$5,297/mo
Today · 4.125%
HK$205,193
baseline
▲ 0.50% · 4.625%
HK$216,009
+HK$10,816/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$410,386/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,811,954 · Scale 2, in force from 26 Feb 2026)