LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,225
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,249
−HK$3,073/mo
Today · 4.125%
HK$103,322
baseline
▲ 0.50% · 4.625%
HK$109,609
+HK$6,287/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,644/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,812,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,162
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,063
−HK$2,943/mo
Today · 4.125%
HK$114,006
baseline
▲ 0.50% · 4.625%
HK$120,015
+HK$6,009/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$228,012/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,812,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,670
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,299
−HK$3,687/mo
Today · 4.125%
HK$123,986
baseline
▲ 0.50% · 4.625%
HK$131,531
+HK$7,545/mo
Deposit HK$17.06M · loan HK$25.58M · min. income ≈ HK$247,972/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,794
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$133,275
−HK$3,532/mo
Today · 4.125%
HK$136,807
baseline
▲ 0.50% · 4.625%
HK$144,018
+HK$7,211/mo
Deposit HK$17.06M · loan HK$25.58M · min. income ≈ HK$273,614/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,115
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$140,349
−HK$4,302/mo
Today · 4.125%
HK$144,651
baseline
▲ 0.50% · 4.625%
HK$153,452
+HK$8,801/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$289,302/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,812,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,427
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$155,488
−HK$4,120/mo
Today · 4.125%
HK$159,608
baseline
▲ 0.50% · 4.625%
HK$168,021
+HK$8,413/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$319,216/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,812,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,005
−HK$10,974/mo
▼ 0.25% · 3.875%
HK$180,449
−HK$5,530/mo
Today · 4.125%
HK$185,979
baseline
▲ 0.50% · 4.625%
HK$197,296
+HK$11,317/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$371,958/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,691
−HK$10,519/mo
▼ 0.25% · 3.875%
HK$199,913
−HK$5,297/mo
Today · 4.125%
HK$205,210
baseline
▲ 0.50% · 4.625%
HK$216,027
+HK$10,817/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$410,420/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,106 · Scale 2, in force from 26 Feb 2026)