LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,227
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,251
−HK$3,073/mo
Today · 4.125%
HK$103,324
baseline
▲ 0.50% · 4.625%
HK$109,611
+HK$6,287/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,648/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,812,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,164
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,065
−HK$2,943/mo
Today · 4.125%
HK$114,008
baseline
▲ 0.50% · 4.625%
HK$120,018
+HK$6,010/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$228,016/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,812,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,673
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,302
−HK$3,687/mo
Today · 4.125%
HK$123,989
baseline
▲ 0.50% · 4.625%
HK$131,533
+HK$7,544/mo
Deposit HK$17.06M · loan HK$25.58M · min. income ≈ HK$247,978/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,797
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$133,278
−HK$3,532/mo
Today · 4.125%
HK$136,810
baseline
▲ 0.50% · 4.625%
HK$144,021
+HK$7,211/mo
Deposit HK$17.06M · loan HK$25.58M · min. income ≈ HK$273,620/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,118
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$140,352
−HK$4,302/mo
Today · 4.125%
HK$144,654
baseline
▲ 0.50% · 4.625%
HK$153,456
+HK$8,802/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$289,308/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,812,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,430
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$155,491
−HK$4,120/mo
Today · 4.125%
HK$159,611
baseline
▲ 0.50% · 4.625%
HK$168,025
+HK$8,414/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$319,222/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,812,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,009
−HK$10,974/mo
▼ 0.25% · 3.875%
HK$180,453
−HK$5,530/mo
Today · 4.125%
HK$185,983
baseline
▲ 0.50% · 4.625%
HK$197,300
+HK$11,317/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$371,966/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,696
−HK$10,518/mo
▼ 0.25% · 3.875%
HK$199,917
−HK$5,297/mo
Today · 4.125%
HK$205,214
baseline
▲ 0.50% · 4.625%
HK$216,032
+HK$10,818/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$410,428/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,145 · Scale 2, in force from 26 Feb 2026)