LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,300
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,327
−HK$3,075/mo
Today · 4.125%
HK$103,402
baseline
▲ 0.50% · 4.625%
HK$109,694
+HK$6,292/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$206,804/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,246
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,149
−HK$2,945/mo
Today · 4.125%
HK$114,094
baseline
▲ 0.50% · 4.625%
HK$120,108
+HK$6,014/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$228,188/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,760
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,392
−HK$3,690/mo
Today · 4.125%
HK$124,082
baseline
▲ 0.50% · 4.625%
HK$131,632
+HK$7,550/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$248,164/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,895
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,378
−HK$3,535/mo
Today · 4.125%
HK$136,913
baseline
▲ 0.50% · 4.625%
HK$144,129
+HK$7,216/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$273,826/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,220
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$140,458
−HK$4,305/mo
Today · 4.125%
HK$144,763
baseline
▲ 0.50% · 4.625%
HK$153,571
+HK$8,808/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$289,526/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,544
−HK$8,187/mo
▼ 0.25% · 3.875%
HK$155,608
−HK$4,123/mo
Today · 4.125%
HK$159,731
baseline
▲ 0.50% · 4.625%
HK$168,151
+HK$8,420/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$319,462/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,141
−HK$10,982/mo
▼ 0.25% · 3.875%
HK$180,588
−HK$5,535/mo
Today · 4.125%
HK$186,123
baseline
▲ 0.50% · 4.625%
HK$197,449
+HK$11,326/mo
Deposit HK$4.27M · loan HK$38.40M · min. income ≈ HK$372,246/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,842
−HK$10,527/mo
▼ 0.25% · 3.875%
HK$200,068
−HK$5,301/mo
Today · 4.125%
HK$205,369
baseline
▲ 0.50% · 4.625%
HK$216,194
+HK$10,825/mo
Deposit HK$4.27M · loan HK$38.40M · min. income ≈ HK$410,738/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,508 · Scale 2, in force from 26 Feb 2026)