LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,284
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,310
−HK$3,075/mo
Today · 4.125%
HK$103,385
baseline
▲ 0.50% · 4.625%
HK$109,676
+HK$6,291/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$206,770/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,228
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,130
−HK$2,945/mo
Today · 4.125%
HK$114,075
baseline
▲ 0.50% · 4.625%
HK$120,088
+HK$6,013/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$228,150/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,741
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$120,373
−HK$3,689/mo
Today · 4.125%
HK$124,062
baseline
▲ 0.50% · 4.625%
HK$131,611
+HK$7,549/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$248,124/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,873
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$133,357
−HK$3,533/mo
Today · 4.125%
HK$136,890
baseline
▲ 0.50% · 4.625%
HK$144,106
+HK$7,216/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$273,780/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,198
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$140,435
−HK$4,304/mo
Today · 4.125%
HK$144,739
baseline
▲ 0.50% · 4.625%
HK$153,546
+HK$8,807/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$289,478/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,519
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$155,583
−HK$4,122/mo
Today · 4.125%
HK$159,705
baseline
▲ 0.50% · 4.625%
HK$168,123
+HK$8,418/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$319,410/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,112
−HK$10,981/mo
▼ 0.25% · 3.875%
HK$180,559
−HK$5,534/mo
Today · 4.125%
HK$186,093
baseline
▲ 0.50% · 4.625%
HK$197,416
+HK$11,323/mo
Deposit HK$4.27M · loan HK$38.40M · min. income ≈ HK$372,186/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,810
−HK$10,525/mo
▼ 0.25% · 3.875%
HK$200,035
−HK$5,300/mo
Today · 4.125%
HK$205,335
baseline
▲ 0.50% · 4.625%
HK$216,159
+HK$10,824/mo
Deposit HK$4.27M · loan HK$38.40M · min. income ≈ HK$410,670/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,211 · Scale 2, in force from 26 Feb 2026)