LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,224
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,249
−HK$3,072/mo
Today · 4.125%
HK$103,321
baseline
▲ 0.50% · 4.625%
HK$109,608
+HK$6,287/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,642/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,812,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,161
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,062
−HK$2,943/mo
Today · 4.125%
HK$114,005
baseline
▲ 0.50% · 4.625%
HK$120,014
+HK$6,009/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$228,010/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,812,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,669
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,298
−HK$3,687/mo
Today · 4.125%
HK$123,985
baseline
▲ 0.50% · 4.625%
HK$131,530
+HK$7,545/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$247,970/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,793
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$133,274
−HK$3,532/mo
Today · 4.125%
HK$136,806
baseline
▲ 0.50% · 4.625%
HK$144,017
+HK$7,211/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$273,612/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,114
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$140,348
−HK$4,302/mo
Today · 4.125%
HK$144,650
baseline
▲ 0.50% · 4.625%
HK$153,451
+HK$8,801/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$289,300/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,812,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,426
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$155,487
−HK$4,120/mo
Today · 4.125%
HK$159,607
baseline
▲ 0.50% · 4.625%
HK$168,020
+HK$8,413/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$319,214/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,812,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,004
−HK$10,974/mo
▼ 0.25% · 3.875%
HK$180,448
−HK$5,530/mo
Today · 4.125%
HK$185,978
baseline
▲ 0.50% · 4.625%
HK$197,295
+HK$11,317/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$371,956/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,690
−HK$10,519/mo
▼ 0.25% · 3.875%
HK$199,912
−HK$5,297/mo
Today · 4.125%
HK$205,209
baseline
▲ 0.50% · 4.625%
HK$216,025
+HK$10,816/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$410,418/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,094 · Scale 2, in force from 26 Feb 2026)