LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,311
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,337
−HK$3,076/mo
Today · 4.125%
HK$103,413
baseline
▲ 0.50% · 4.625%
HK$109,705
+HK$6,292/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$206,826/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,257
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,160
−HK$2,946/mo
Today · 4.125%
HK$114,106
baseline
▲ 0.50% · 4.625%
HK$120,120
+HK$6,014/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$228,212/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,773
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,405
−HK$3,690/mo
Today · 4.125%
HK$124,095
baseline
▲ 0.50% · 4.625%
HK$131,646
+HK$7,551/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$248,190/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,908
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,392
−HK$3,535/mo
Today · 4.125%
HK$136,927
baseline
▲ 0.50% · 4.625%
HK$144,144
+HK$7,217/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$273,854/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,235
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$140,472
−HK$4,306/mo
Today · 4.125%
HK$144,778
baseline
▲ 0.50% · 4.625%
HK$153,587
+HK$8,809/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$289,556/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,813,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,560
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$155,624
−HK$4,124/mo
Today · 4.125%
HK$159,748
baseline
▲ 0.50% · 4.625%
HK$168,169
+HK$8,421/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$319,496/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,813,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,159
−HK$10,984/mo
▼ 0.25% · 3.875%
HK$180,607
−HK$5,536/mo
Today · 4.125%
HK$186,143
baseline
▲ 0.50% · 4.625%
HK$197,469
+HK$11,326/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$372,286/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,863
−HK$10,527/mo
▼ 0.25% · 3.875%
HK$200,089
−HK$5,301/mo
Today · 4.125%
HK$205,390
baseline
▲ 0.50% · 4.625%
HK$216,217
+HK$10,827/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$410,780/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,698 · Scale 2, in force from 26 Feb 2026)