LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,269
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,294
−HK$3,074/mo
Today · 4.125%
HK$103,368
baseline
▲ 0.50% · 4.625%
HK$109,658
+HK$6,290/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$206,736/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,210
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,112
−HK$2,944/mo
Today · 4.125%
HK$114,056
baseline
▲ 0.50% · 4.625%
HK$120,069
+HK$6,013/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$228,112/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,722
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$120,353
−HK$3,689/mo
Today · 4.125%
HK$124,042
baseline
▲ 0.50% · 4.625%
HK$131,589
+HK$7,547/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$248,084/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,812,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,852
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$133,335
−HK$3,533/mo
Today · 4.125%
HK$136,868
baseline
▲ 0.50% · 4.625%
HK$144,082
+HK$7,214/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$273,736/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,812,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,176
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$140,412
−HK$4,303/mo
Today · 4.125%
HK$144,715
baseline
▲ 0.50% · 4.625%
HK$153,521
+HK$8,806/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$289,430/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,494
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$155,557
−HK$4,122/mo
Today · 4.125%
HK$159,679
baseline
▲ 0.50% · 4.625%
HK$168,096
+HK$8,417/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$319,358/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,083
−HK$10,980/mo
▼ 0.25% · 3.875%
HK$180,529
−HK$5,534/mo
Today · 4.125%
HK$186,063
baseline
▲ 0.50% · 4.625%
HK$197,384
+HK$11,321/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$372,126/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,778
−HK$10,524/mo
▼ 0.25% · 3.875%
HK$200,002
−HK$5,300/mo
Today · 4.125%
HK$205,302
baseline
▲ 0.50% · 4.625%
HK$216,123
+HK$10,821/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$410,604/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,916 · Scale 2, in force from 26 Feb 2026)