LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,263
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,289
−HK$3,074/mo
Today · 4.125%
HK$103,363
baseline
▲ 0.50% · 4.625%
HK$109,652
+HK$6,289/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$206,726/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,204
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,106
−HK$2,944/mo
Today · 4.125%
HK$114,050
baseline
▲ 0.50% · 4.625%
HK$120,062
+HK$6,012/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$228,100/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,716
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$120,346
−HK$3,689/mo
Today · 4.125%
HK$124,035
baseline
▲ 0.50% · 4.625%
HK$131,582
+HK$7,547/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$248,070/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,845
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,328
−HK$3,532/mo
Today · 4.125%
HK$136,860
baseline
▲ 0.50% · 4.625%
HK$144,075
+HK$7,215/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$273,720/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,169
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$140,404
−HK$4,304/mo
Today · 4.125%
HK$144,708
baseline
▲ 0.50% · 4.625%
HK$153,513
+HK$8,805/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$289,416/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,486
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$155,549
−HK$4,121/mo
Today · 4.125%
HK$159,670
baseline
▲ 0.50% · 4.625%
HK$168,087
+HK$8,417/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$319,340/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,074
−HK$10,979/mo
▼ 0.25% · 3.875%
HK$180,520
−HK$5,533/mo
Today · 4.125%
HK$186,053
baseline
▲ 0.50% · 4.625%
HK$197,373
+HK$11,320/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$372,106/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,768
−HK$10,523/mo
▼ 0.25% · 3.875%
HK$199,991
−HK$5,300/mo
Today · 4.125%
HK$205,291
baseline
▲ 0.50% · 4.625%
HK$216,112
+HK$10,821/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$410,582/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,818 · Scale 2, in force from 26 Feb 2026)