LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,320
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,348
−HK$3,075/mo
Today · 4.125%
HK$103,423
baseline
▲ 0.50% · 4.625%
HK$109,716
+HK$6,293/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$206,846/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,268
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,172
−HK$2,945/mo
Today · 4.125%
HK$114,117
baseline
▲ 0.50% · 4.625%
HK$120,133
+HK$6,016/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$228,234/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,784
−HK$7,324/mo
▼ 0.25% · 3.875%
HK$120,417
−HK$3,691/mo
Today · 4.125%
HK$124,108
baseline
▲ 0.50% · 4.625%
HK$131,660
+HK$7,552/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$248,216/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,813,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,922
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,406
−HK$3,535/mo
Today · 4.125%
HK$136,941
baseline
▲ 0.50% · 4.625%
HK$144,159
+HK$7,218/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$273,882/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,813,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,249
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$140,487
−HK$4,306/mo
Today · 4.125%
HK$144,793
baseline
▲ 0.50% · 4.625%
HK$153,603
+HK$8,810/mo
Deposit HK$12.80M · loan HK$29.88M · min. income ≈ HK$289,586/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,813,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,575
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$155,640
−HK$4,124/mo
Today · 4.125%
HK$159,764
baseline
▲ 0.50% · 4.625%
HK$168,186
+HK$8,422/mo
Deposit HK$12.80M · loan HK$29.88M · min. income ≈ HK$319,528/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,813,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,177
−HK$10,985/mo
▼ 0.25% · 3.875%
HK$180,626
−HK$5,536/mo
Today · 4.125%
HK$186,162
baseline
▲ 0.50% · 4.625%
HK$197,489
+HK$11,327/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$372,324/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,882
−HK$10,529/mo
▼ 0.25% · 3.875%
HK$200,109
−HK$5,302/mo
Today · 4.125%
HK$205,411
baseline
▲ 0.50% · 4.625%
HK$216,239
+HK$10,828/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$410,822/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,883 · Scale 2, in force from 26 Feb 2026)