LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,245
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,270
−HK$3,074/mo
Today · 4.125%
HK$103,344
baseline
▲ 0.50% · 4.625%
HK$109,632
+HK$6,288/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,688/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,185
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,086
−HK$2,944/mo
Today · 4.125%
HK$114,030
baseline
▲ 0.50% · 4.625%
HK$120,040
+HK$6,010/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$228,060/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,695
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$120,324
−HK$3,688/mo
Today · 4.125%
HK$124,012
baseline
▲ 0.50% · 4.625%
HK$131,558
+HK$7,546/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$248,024/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,822
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$133,303
−HK$3,532/mo
Today · 4.125%
HK$136,835
baseline
▲ 0.50% · 4.625%
HK$144,048
+HK$7,213/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$273,670/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,144
−HK$8,537/mo
▼ 0.25% · 3.875%
HK$140,379
−HK$4,302/mo
Today · 4.125%
HK$144,681
baseline
▲ 0.50% · 4.625%
HK$153,485
+HK$8,804/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$289,362/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,458
−HK$8,183/mo
▼ 0.25% · 3.875%
HK$155,521
−HK$4,120/mo
Today · 4.125%
HK$159,641
baseline
▲ 0.50% · 4.625%
HK$168,056
+HK$8,415/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$319,282/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,042
−HK$10,977/mo
▼ 0.25% · 3.875%
HK$180,487
−HK$5,532/mo
Today · 4.125%
HK$186,019
baseline
▲ 0.50% · 4.625%
HK$197,337
+HK$11,318/mo
Deposit HK$4.26M · loan HK$38.38M · min. income ≈ HK$372,038/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,732
−HK$10,521/mo
▼ 0.25% · 3.875%
HK$199,955
−HK$5,298/mo
Today · 4.125%
HK$205,253
baseline
▲ 0.50% · 4.625%
HK$216,072
+HK$10,819/mo
Deposit HK$4.26M · loan HK$38.38M · min. income ≈ HK$410,506/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,487 · Scale 2, in force from 26 Feb 2026)