LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,349
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,377
−HK$3,077/mo
Today · 4.125%
HK$103,454
baseline
▲ 0.50% · 4.625%
HK$109,748
+HK$6,294/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,908/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,300
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,204
−HK$2,947/mo
Today · 4.125%
HK$114,151
baseline
▲ 0.50% · 4.625%
HK$120,168
+HK$6,017/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,302/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,819
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$120,452
−HK$3,692/mo
Today · 4.125%
HK$124,144
baseline
▲ 0.50% · 4.625%
HK$131,698
+HK$7,554/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,288/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,960
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$133,445
−HK$3,536/mo
Today · 4.125%
HK$136,981
baseline
▲ 0.50% · 4.625%
HK$144,201
+HK$7,220/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$273,962/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,289
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$140,528
−HK$4,307/mo
Today · 4.125%
HK$144,835
baseline
▲ 0.50% · 4.625%
HK$153,648
+HK$8,813/mo
Deposit HK$12.81M · loan HK$29.88M · min. income ≈ HK$289,670/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,620
−HK$8,191/mo
▼ 0.25% · 3.875%
HK$155,686
−HK$4,125/mo
Today · 4.125%
HK$159,811
baseline
▲ 0.50% · 4.625%
HK$168,235
+HK$8,424/mo
Deposit HK$12.81M · loan HK$29.88M · min. income ≈ HK$319,622/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,228
−HK$10,988/mo
▼ 0.25% · 3.875%
HK$180,679
−HK$5,537/mo
Today · 4.125%
HK$186,216
baseline
▲ 0.50% · 4.625%
HK$197,547
+HK$11,331/mo
Deposit HK$4.27M · loan HK$38.42M · min. income ≈ HK$372,432/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,940
−HK$10,532/mo
▼ 0.25% · 3.875%
HK$200,168
−HK$5,304/mo
Today · 4.125%
HK$205,472
baseline
▲ 0.50% · 4.625%
HK$216,302
+HK$10,830/mo
Deposit HK$4.27M · loan HK$38.42M · min. income ≈ HK$410,944/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,415 · Scale 2, in force from 26 Feb 2026)